Florida Seller Net Sheet Calculator
KEY ITEMS INCLUDED IN NET SHEET
This estimate is approximate and may vary depending on the closing agent. For this calculation, average closing-related costs have been used. Net to seller represents the amount remaining after all liens, payoffs, and other encumbrances secured by the property have been satisfied.
Sales Price and Mortgage Payoffs
Enter your estimated sales price and mortgage payoffs. These will be calculated at the bottom.
Brokerage Fees
The amount expected to pay your real estate agent will be subtracted from the seller's net amount at the bottom.
Property Taxes and Estimated Closing Date
This amount comes from your tax bill. It is prorated to the day of closing and is paid in arrears in Florida. The seller pays the buyer for the portion of the year during which the seller occupied the home. This will be calculated based on the estimated Closing Date.
Property Title Search
This process is a critical, pre-closing examination of public records to verify a seller’s legal right to transfer ownership and ensure the property is free of undisclosed debts, liens, or restrictions (Cost varies between $200 and $500).
Municipal or Property Lien Search
An in-depth specialized investigation conducted to identify unrecorded debts and violations owed to local governments, such as unpaid utility bills, code violations, and open/expired permits. Unlike a standard title search, it reveals hidden, non-recorded financial obligations that could become the new owner's responsibility. This is common in Florida to check for unrecorded liens (Cost varies between $200 and $400).
Title Closing/Settlement Fee
A fee paid to the title company or attorney for facilitating the closing process (Cost varies between $700 and $1,000).
HOA Estoppel Certificate and Past Due HOA Fees
HOA Estoppel Certificate — This document confirms the status of a homeowner’s account with the homeowners’ association, including whether dues, assessments, and other charges have been paid. Fees vary depending on the association, account status, and turnaround time. In Florida, estoppel fees are capped by statute. As of 2026, a standard certificate for a non-delinquent account is capped at $299, with additional charges permitted for expedited service and delinquent accounts.
Courier Fees
To cover the cost of shipping documents, such as mortgage payoffs and original deeds between parties (Cost varies between $50 and $100).
Remote Online Notary (RON) Fees
These notary fees for real estate closings typically range from $100 to $250+ per loan package. Common charges include $185 for buyer/refinance packages and ~$100 for cash buyer packages, covering identity verification and digital signing.
Recording Fees
Paid to the county clerk to record all closing documents which will become a part of public record (Cost varies between $50 and $250).
FIRPTA Withholding for Foreign Sellers
Under the Foreign Investment in Real Property Tax Act (FIRPTA), foreign sellers of U.S. Real Estate are generally subject to a 15% withholding tax on the gross sales price. These funds are held at closing and remitted to the IRS within 20 days, usually by the closing agent. Sellers will get funds back by filing a U.S. tax return. This ensures any taxes due the IRS get paid from a foreign investor.
Owner's Title Insurance Policy
In Florida, who pays for owner's title insurance is usually determined by local custom or negotiated in the contract. Generally, the seller pays for the owner's title policy in most of Florida, but in Miami-Dade, Broward, Collier, and Sarasota counties, the buyer typically pays for it at a cost of $5 per $1K.
Documentary Stamps on Deed
This tax runs $0.70 per $100 of the sale price ($0.60 in Miami-Dade only) and are paid to the county. In a Florida real estate closing, the seller typically pays the documentary stamp tax on the deed. This tax is calculated based on the transfer of property interest.
OTHER COSTS
Simply the total sum of the Title Search, Property Lien Search, Title Closing Fee, HOA Estoppel Letter, past due HOA Fees, Courier Fee, Remote Online Notary, and Recording Fee as stated from the entries above. All of these fees are marked with an asterisk.*
