Real Estate Closing Costs Explained for Florida Sellers

Selling your Florida home? When you get to the closing table, you’ll face a list of seller-side costs that can quickly add up. Understanding these expenses ahead of time allows you to plan strategically—and avoid last-minute surprises.

This blog breaks down every common seller closing cost in Florida real estate, what it covers, and how it affects your bottom line.

1. Real Estate Agent Commission

This is typically your largest cost, ranging between 5% and 6% of the final sale price. It’s split between the buyer’s and seller’s agents and usually paid from your proceeds at closing.

Example: $500,000 sale = $30,000 commission (if 6%)

2. Documentary Stamp Tax (Transfer Tax)

Florida imposes a state transfer tax on all property sales. You’ll pay:

• $0.70 per $100 of sale price
• $0.60 per $100 in Miami-Dade County

This is a required cost and typically non-negotiable.

3. Title Insurance & Settlement Fees

In many Florida counties, sellers pay for the buyer’s title insurance policy, which protects the buyer from ownership or lien issues. Costs vary by price but can range from $1,000 to $4,000+.

You’ll also pay a title settlement or closing fee, usually $500–$1,500.

4. Prorated Property Taxes

Florida property taxes are paid in arrears, so sellers must pay their portion up until the day of closing. The title company will calculate and deduct this from your proceeds.

5. HOA Estoppel and Dues (If Applicable)

If your home is in an HOA community, you’ll likely pay:

• Estoppel certificate fee (usually $200–$500)
• Prorated HOA dues for the rest of the month or quarter

6. Mortgage Payoff or Other Liens

If you still have a loan on the property, the balance must be paid off at closing. The title company will handle the payoff directly. You may also need to pay off second mortgages, HELOCs, or mechanic’s liens.

7. Concessions or Repair Credits

If you’ve agreed to contribute toward the buyer’s closing costs or repairs after inspection, those will also be deducted from your final proceeds.

Optional Seller Costs

• Home warranty coverage
• Pre-listing repairs or inspections
• Professional cleaning or staging

These aren’t required, but may improve marketability.

How to Stay in Control

Work with a local expert who understands Florida’s closing practices. Michael Renick and Team Renick – Mangrove Realty Associates Inc. will prepare a custom net sheet showing your estimated proceeds and line-item costs before you ever list the property.

Want to see exactly what you’d owe at closing? Call Michael today at 941.400.8735 to get a full breakdown—and sell with confidence.

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