Straight answers for Florida sellers

It starts with your expected sale price and takes out everything paid from it at closing: your mortgage payoffs and any liens, the agent compensation you agree to, Florida's documentary stamp tax, title insurance and closing fees, any concessions or repairs, and the property tax credit to the buyer. What is left is your estimated net.

Sale price, minus mortgages and liens, minus agent compensation, minus closing costs, minus concessions and repairs, plus or minus the tax proration.

Your final figures come from the settlement statement your title company or closing attorney prepares. Payoff interest, exact tax amounts and negotiated credits all move the number.

The doc stamps and the owner's title premium follow Florida's published rates, and the smaller fees use typical figures. The biggest swings usually come from your loan payoff (lenders add daily interest), the final tax figures and anything you negotiate with the buyer. Use your lender's payoff figure for the most accurate result.

Your expected sale price, your lender's payoff figure or latest mortgage statement, last year's property tax bill (the gross amount), the compensation rate in your listing agreement, and your HOA or condo details if you have an association.

Yes. The results show what you could net at 5% below and 5% above your price, so you can see how a price change moves your bottom line.

You do not need one for the estimate. The net figure, the breakdown, the what-if prices and every line item stay on your screen with no account. The full PDF net sheet comes with a free account: your name and email, and a phone number only if you want to add one. We email the PDF to you and keep your net sheets together so you can download or recalculate them later.

There is no password to choose at sign up. The email includes a link to set one whenever you want to come back.

No. The calculator does not estimate income taxes. Whether you owe tax on a gain depends on your own circumstances, so talk to a tax professional.

A Florida tax on the transfer, charged at $0.70 per $100 of the sale price, rounded up to the next $100, in every county except Miami-Dade. By custom the seller pays it. On a $500,000 sale that is $3,500.

Miami-Dade County has its own rate: $0.60 per $100 for a single-family home. Other property types add a $0.45 surtax, $1.05 per $100 in all. Your title company or closing attorney can confirm how your property is classified. See the Miami-Dade page.

It depends on the county's custom and, in the end, on your contract. In Broward, Miami-Dade, Collier, and Sarasota counties the buyer customarily pays; in the other counties the calculator covers, the seller customarily does. It is negotiable either way, and the calculator starts with your county's custom and lets you switch it.

Florida sets title insurance premiums by rule (the promulgated rates). The owner's policy is $5.75 per $1,000 up to $100,000; $5.00 per $1,000 from $100,000 to $1,000,000; $2.50 per $1,000 from $1,000,000 to $5,000,000; $2.25 per $1,000 from $5,000,000 to $10,000,000; $2.00 per $1,000 above $10,000,000 of the price. On a $500,000 sale that works out to about $2,575.

Florida property taxes are paid in arrears, so at closing the seller credits the buyer for January 1 through the day before closing. The calculator uses last year's bill less the 4% early payment discount, counted to the day.

If the home is in an HOA or condo association, the association issues an estoppel certificate showing what is owed on the property. Florida law caps what it can charge; the estimate uses a typical $299. Any unpaid dues or special assessments are paid from your proceeds.

A settlement or closing fee (typical $495), a municipal lien search that checks for open permits and code liens ($250), and recording, wire and courier charges ($150). When the seller pays for the owner's title policy there is also a title search and exam ($350). Your title company or closing attorney sets the actual amounts.

A PACE assessment is repaid through the property tax bill and is usually paid off at closing. Enter the payoff amount and the calculator treats it like any other lien.

No. Compensation is negotiable and set in your listing agreement. Enter the rate you expect to pay.

Not necessarily. Since August 2024, buyer's agent compensation is negotiated separately. Some sellers offer it to attract buyers; others do not. If you plan to offer it, add it in the calculator.

An optional request at the end of the calculator. A licensed real estate professional who covers your county receives your request and your estimate, then contacts you to talk it through, including pricing if you asked for help with it. It is free and you are under no obligation.

No. The review is free and you are not obliged to list with them or with anyone else.

No. SellersNetPay is an independent technology platform, not a real estate brokerage, title company, mortgage company or law firm. The professionals you may be connected with are independently licensed.

The calculator runs in your browser, so your figures stay on your screen. We only receive them if you create a free account for the PDF net sheet, or ask for a free seller review. Full details are in the privacy policy.

No. Creating an account shares nothing with any real estate professional. Your details go to a professional only if you separately ask for a seller review and tick the consent box for it.

The licensed professional it is routed to, who covers your county, and our own team. Professionals agree to contact you only about your request and to honor an opt-out right away.

Sign in, open My Net Sheets and choose Delete my account. That removes your account and your saved net sheets. If you asked for a seller review, the record of that request and of your consent is kept, because it shows what you agreed to. You can also contact us.

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Apply with your license number, brokerage and the counties you cover. Once approved, requests from sellers in your counties arrive by email and in My Leads when you sign in, with the property, the estimated proceeds and the selling timeframe already filled in.

Real estate professionals who hold an active Florida real estate license.

Each request goes to an approved professional who covers the seller's county and is accepting requests. Requests rotate, so the professional who has gone longest without one is next.

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