Florida Seller Closing Costs

Florida Closing Cost Calculator (Seller Side)

Estimate your Florida seller closing costs including documentary stamp tax, title insurance, recording fees, and real estate commission. Adjust the sliders to see how flat fee MLS saves you money.

Your Home Details
$400,000
Estimated Seller Closing Costs
Documentary Stamp Tax (deed)
$0.70 per $100
$2,800
Title Insurance (estimate)
~0.55% of sale price
$2,200
Recording Fees
Estimate
$350
Your Listing Fee
Flat Fee MLS — $99
$99
Buyer Agent Compensation
2.5%
$10,000
Estimated Total
$15,449
You save $11,901 vs. a traditional 3% listing agent

* Estimates only. Florida title insurance rates are promulgated by the state and may vary. Documentary stamp tax is $0.70 per $100 on the deed. Recording fees vary by county. This calculator does not include mortgage payoff, HOA fees, attorney fees, or other transaction-specific costs. Consult a licensed Florida real estate attorney or title company for exact closing cost estimates.

Understanding Florida Seller Closing Costs

What Florida sellers pay at closing

Documentary Stamp Tax on Deed
Florida imposes a $0.70 per $100 documentary stamp tax on the deed transfer, paid by the seller in most Florida counties. On a $400,000 sale, this is $2,800. Miami-Dade County has a slightly different rate structure.
Required
Title Insurance
Florida sellers typically pay for the buyer's title insurance policy (though this is negotiable). The promulgated rate is approximately $5.75 per $1,000 for the first $100,000, then lower. On a $400K sale, expect $2,000–$2,500.
Negotiable — often seller-paid in FL
Recording Fees
The county charges fees to record the deed and any mortgage releases. Typically $10 per page, with a standard deed and mortgage release running $150–$400 depending on county.
Required
Agent Commission — Listing Side
The listing agent commission is where flat fee MLS saves the most money. Traditional agents charge 2.5–3%. Our flat fee is $99 with zero closing fee — saving $10,000–$12,000 on a $400K home.
Optional (flat fee vs. traditional)
List for $99 — Save on Commission

All listings placed by a licensed Florida brokerage — FL License #CQ1049856 ↗

Closing costs by county

Doc stamps and the state-set title rate are identical everywhere in Florida. Who customarily pays the owner title policy is not, so these are worked per county.

Alachua CountyBaker CountyBay CountyBradford CountyBrevard CountyBroward CountyCalhoun CountyCharlotte CountyCitrus CountyClay CountyCollier CountyColumbia CountyDeSoto CountyDixie CountyDuval CountyEscambia CountyFlagler CountyFranklin CountyGadsden CountyGilchrist CountyGlades CountyGulf CountyHamilton CountyHardee CountyHendry CountyHernando CountyHighlands CountyHillsborough CountyHolmes CountyIndian River CountyJackson CountyJefferson CountyLafayette CountyLake CountyLee CountyLeon CountyLevy CountyLiberty CountyMadison CountyManatee CountyMarion CountyMartin CountyMiami-Dade CountyMonroe CountyNassau CountyOkaloosa CountyOkeechobee CountyOrange CountyOsceola CountyPalm Beach CountyPasco CountyPinellas CountyPolk CountyPutnam CountySanta Rosa CountySarasota CountySeminole CountySt. Johns CountySt. Lucie CountySumter CountySuwannee CountyTaylor CountyUnion CountyVolusia CountyWakulla CountyWalton CountyWashington County
CallList My Home for $99