FOR HOME SELLERS · FREE CALCULATOR
What Will You Walk Away With?
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Estimate your net proceeds from selling a home in Southwest Florida, with the costs sellers actually pay here: commission, Florida doc stamps, owner's title insurance, title fees, HOA estoppel and property tax proration.
UPDATED SEPTEMBER 2026 · BY AJ & COURTNEY ACKERMAN, LPT REALTY
What goes into your net sheet
Your net proceeds are the sale price minus everything that gets paid at closing. Here's what each line in the calculator means.
Commission
The total commission you agree to when you list, shown as a percentage of the sale price. The calculator starts at 6%, but every listing is different, so let's talk about yours.
Doc stamps on the deed
Florida's documentary stamp tax on the deed is $0.70 for every $100 of the sale price. In Southwest Florida the seller customarily pays it. On a $400,000 sale, that's $2,800.
Owner's title insurance
In Lee and Charlotte counties, the seller usually chooses the title company and pays for the owner's title policy that protects the buyer. Florida sets the premium by law: $5.75 per $1,000 of the price up to $100,000, then $5.00 per $1,000 up to $1 million, with lower rates above that. On a $400,000 sale, that's $2,075.
Title company fees
The settlement fee, municipal lien search and title search and exam. The calculator uses $705, typical of our recent closings. Your title company's exact fees may differ slightly.
HOA or condo estoppel
If your home is in an association, the association charges a fee for the estoppel certificate, which confirms what's owed at closing. It varies by community, so we'll confirm yours.
Property tax proration
Your share of this year's property taxes, credited to the buyer. See below for how it works.
Mortgage payoff
The amount needed to pay off your mortgage and any home equity loan. Your lender's payoff letter will have the exact figure, including interest to the closing date.
How property tax proration works
In Florida, property taxes are paid in arrears: this year's bill arrives in November, after most spring and summer closings. So the buyer pays the full bill later, and at closing you credit the buyer for the days you owned the home this year, from January 1 through the day before closing.
Because most owners pay in November to get the 4% early-payment discount, proration is usually based on the discounted amount. The formula is:
Annual taxes × 0.96 × days you owned the home ÷ 365
Example: with $5,200 in annual taxes and a June 15 closing, you owned the home 165 days this year. $5,200 × 0.96 × 165 ÷ 365 = about $2,257, credited to the buyer. If the current year's bill isn't out yet, the title company uses last year's bill, which is why the final figure can shift slightly.
Seller closing cost questions
Who pays for title insurance when selling a home in Southwest Florida?
In Lee and Charlotte counties, the seller customarily chooses the title company and pays for the owner's title insurance policy. It's negotiable in the contract, but that's the local custom.
How much are closing costs for a seller in Florida?
Not counting commission and your mortgage payoff, seller closing costs usually run roughly 1.3% to 1.5% of the sale price: doc stamps (0.7%), owner's title insurance and title company fees, plus any HOA estoppel. You'll also credit the buyer your share of this year's property taxes. The calculator above shows your numbers.
What are doc stamps?
Doc stamps are Florida's documentary stamp tax on the deed: $0.70 per $100 of the sale price. The seller customarily pays them.
When do I get my money after closing?
Usually the same day or the next business day, by wire transfer or check from the title company, once the closing is complete and funds are disbursed.
Will I owe capital gains tax when I sell my home?
If it's been your primary residence for at least 2 of the last 5 years, the IRS lets you exclude up to $250,000 of gain ($500,000 for married couples filing jointly). Every situation is different, so check with your CPA.