What do you actually walk away with?

Sale price

The listing's final accepted price after negotiation.

100% gross

Commission

Real estate commissions are negotiable. Florida has no set rate — common ranges are 4.5-6% total split between listing + buyer side, though post-NAR-settlement markets see more variation. I'll walk you through options for your price band.

4.5-6% typical

Title insurance (owner's policy)

In Florida this is most often paid by the seller (though it varies by county — Miami-Dade and Broward swap). Protects the buyer's title.

~0.5-0.6% of price

Doc stamps on the deed

Florida state transfer tax on the sale. Nearly always the seller. Rate is $0.70 per $100 of sale price in most counties, $0.60 in Miami-Dade.

~0.7% of price

Remaining mortgage payoff

Whatever's left on your loan as of closing day (including any prepayment penalty — rare on owner-occupied).

Varies

Prorated property taxes

You pay the portion of the year you owned it. If closing is before the November tax bill, you'll credit the buyer for Jan 1 through closing day.

~30-90 days of annual tax

HOA estoppel + transfer fees

If you're in an HOA/CDD, the association charges a fee to produce the estoppel letter and transfer ownership. $250-750 typical.

$250-750

Seller-paid closing costs (if negotiated)

In softer markets or with financed buyers, sellers sometimes pay a 1-3% credit toward buyer's closing costs or an interest-rate buydown.

0-3% (negotiable)

Inspection-period credits

Credits negotiated after inspection — roof, HVAC, plumbing, etc. Highly variable. My job is to keep this reasonable.

0-2% typical

Attorney / title closing fee

The title company's fee for handling escrow + closing. Often split with the buyer.

$400-900

“The number that matters is net to you — not list price. I'll run an exact estimate with your closing date, tax bill, and remaining mortgage before we list.”

— Ben Laube