Calculator · when you sell
What you keep when you sell a Florida home
The money that reaches your account, with the costs Florida law actually fixes. Up to three offers side by side.
All 67 countiesUpdated August 2026
The sale
Commission and concessions
The property and the mortgage
Foreign seller
What selling costs, before the mortgage payoff
At a 5.5% total commission, on one home (a house or a condo), with a $700 settlement fee and no repair credits. Miami-Dade against Orange County — the difference is the title policy, which the buyer pays in Miami-Dade and the seller pays in Orange:
| Sale price | Miami-Dade | % of price | Orange County | % of price |
|---|---|---|---|---|
| $300,000 | $19,000 | 6.3% | $20,875 | 7.0% |
| $400,000 | $25,100 | 6.3% | $27,575 | 6.9% |
| $500,000 | $31,200 | 6.2% | $34,275 | 6.9% |
| $650,000 | $40,350 | 6.2% | $44,325 | 6.8% |
| $800,000 | $49,500 | 6.2% | $54,375 | 6.8% |
| $1,000,000 | $61,700 | 6.2% | $67,775 | 6.8% |
What Florida law fixes, and what it does not
Half this sheet is exact to the dollar and identical at every closing table in the state. The other half is negotiable, and knowing which is which is worth money.
- Fixed by statute. Documentary stamps on the deed: $0.70 per $100 of price statewide, under chapter 201 of the Florida Statutes. Miami-Dade is the one exception — $0.60 per $100, plus a $0.45 surtax that does not apply to a deed conveying a single home. Section 201.031 says that home may be a condominium unit as well as a house, so a Miami-Dade condo pays $0.60, not $1.05. The surtax is for multiple units in one deed, land and commercial property. National calculators get this wrong constantly.
- Fixed by rule. The owner's title insurance premium is promulgated by rule 69O-186.003: $5.75 per thousand to $100,000, $5.00 per thousand to $1 million, and less above that. Every title company charges the same premium. What differs is who pays it — the seller in 63 counties, the buyer in Miami-Dade, Broward, Sarasota and Collier.
- Not fixed by anything. The commission and the settlement fee. Both are negotiated, and both have always been.
How much changes between one offer and another?
Less than the price does. Commission and stamps are percentages, so they grow with every dollar: on a Broward home at 5.5% commission, of every extra $10,000 you keep about $9,380. That is why it pays to put two or three prices side by side before you counter — which is what the calculator above does.
| One home in Broward | $480,000 | $500,000 | $520,000 |
|---|---|---|---|
| Commission (5.5%) | − $26,400 | − $27,500 | − $28,600 |
| Documentary stamps ($0.70 per $100) | − $3,360 | − $3,500 | − $3,640 |
| Owner's title policy | buyer pays | buyer pays | buyer pays |
| Settlement fee | − $700 | − $700 | − $700 |
| Mortgage payoff | − $250,000 | − $250,000 | − $250,000 |
| You keep | $199,540 | $218,300 | $237,060 |
What is withheld if you sell as a foreign owner
15% of the sale price, not of the gain — unless the buyer will live in the home: then it drops to 10% up to $1,000,000 and to nothing up to $300,000. The buyer withholds it at closing and sends it to the IRS. It is not a cost: it is a prepayment of your tax, and what is left over comes back with your nonresident return.
| Sale price | $280,000 | $600,000 | $1,200,000 |
|---|---|---|---|
| The buyer will live in it | 0% · $0 | 10% · $60,000 | 15% · $180,000 |
| Any other buyer | 15% · $42,000 | 15% · $90,000 | 15% · $180,000 |
That is why the calculator separates two figures. On a $600,000 home in Broward at 5.5% commission with a $250,000 payoff, the net from the sale is $312,100, and it is yours. But at closing you receive $222,100: the other $90,000 stays withheld until your return, unless before closing you got the IRS to reduce it with Form 8288-B, which takes about 90 days. The whole process is in FIRPTA: selling as a foreign owner.
Where these numbers come from
Documentary stamps on the deed: chapter 201, Florida Statutes — $0.70 per $100 statewide; $0.60 per $100 in Miami-Dade plus a $0.45 surtax that does not apply to a deed for a single-family residence, which s. 201.031 defines to include a condominium unit. Owner's title insurance premium: rule 69O-186.003 of the Florida Administrative Code, which promulgates the rate — every title company charges the same. Who pays it is county custom, not law: the seller in 63 counties, the buyer in Miami-Dade, Broward, Sarasota and Collier. The $700 settlement fee is a reference figure, not a regulated one. Commission is negotiated. FIRPTA: IRS, FIRPTA withholding and Exceptions from FIRPTA withholding, checked 21 September 2026; section 1445 of the Internal Revenue Code. Florida Realtors / Florida Bar «AS IS» contract (ASIS-7x): paragraph 9(a) charges the seller with the costs of FIRPTA withholding and reporting, and Standard V.
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Perozo Molina Group · +1 689 680 1112 · WhatsApp +1 689 680 1112 · perozomolina.com
A real estate team at Miami New Realty, a licensed Florida real estate brokerage (licence CQ1020974), 2470 NW 102 PL Suite 107, Doral, FL 33172. This is an estimate, not a quote. The figures come from the sources named on the page this was printed from. Nothing here is tax or legal advice.