Seller tools
What will you actually net? Run the real math.
The gap between “what my house is worth” and “what lands in my account” is a short list of very knowable numbers. Two of them are set by the State of Florida and computed here exactly — the documentary stamps and the promulgated title premium. The rest are yours to enter, with honest notes on where each figure comes from. Nothing you type is stored, sent, or gated behind an email.
Your estimate
- Sale price
- —
- Mortgage payoff
- −$0
- Doc stamps on the deed ($0.70 / $100)
- −$0
- Owner’s title policy (promulgated rate)
- −$0
- Commission (0%)
- −$0
- Other costs entered
- −$0
Estimated net proceeds
—
An estimate, not a settlement statement: the statutory lines (doc stamps, the promulgated title rate) are exact math on your price; everything else is what you entered. Nothing you type here is stored or sent anywhere.
The part nobody tells you
Sellers anchor on price; the closing table runs on the OTHER lines. A $10,000 higher offer with $12,000 in concessions nets less than the quieter contract, and the payoff quote — with its accrued interest and any HELOC — is the number sellers most often estimate low. When I prepare a seller’s net sheet before listing, we run this exact math on three price scenarios, so the decision is made on take-home numbers, not on the headline. This page is that first pass; the title company’s formal estimate is the second.
Your next home, while you run the numbers
Proceeds questions, answered straight
What are documentary stamps and how much are they?
Florida’s transfer tax on the deed: $0.70 per $100 of the sale price (rounded up to the next $100) everywhere in the state except Miami-Dade, and by custom the seller pays it. On a $500,000 sale that is $3,500 — usually the second-largest line on the seller’s side after commission.
Who pays for title insurance in Northeast Florida?
By local custom, the seller pays the owner’s title policy in a standard resale here — the working rule is that whoever chooses the title company pays for the policy, and the seller usually chooses. It’s custom, not law, so your contract can say otherwise; the calculator has a toggle for exactly that. The premium itself is set by state promulgated rates, identical at every title company.
How much is the real estate commission?
Whatever you negotiate — commissions are not set by law or by any board, and since the 2024 industry changes, what you offer a buyer’s agent is a separate, explicit decision too. That’s why this calculator has no default: enter the total from your listing agreement and the math is yours, not an assumption of ours.
What else comes out of my proceeds at closing?
The usual list: your mortgage payoff (get a payoff quote — it runs higher than the statement balance), settlement and lien-search fees from the title company, HOA/CDD estoppel fees where they apply, the property-tax proration (Florida bills in arrears, so you credit the buyer for the part of the year you owned), and anything negotiated after inspection. Each has a line in the calculator, and your title company’s estimate will price the fee lines exactly.