Seller Net Proceeds Calculator

Estimate your net proceeds by entering your expected sale price and the costs associated with selling.

Your numbers Updates as you type

County

Expected sale price

Use the list price, or the offer on the table if you have one.

Estimated closing date Drives the property tax and HOA proration.

Property type

First mortgage payoff

Your payoff, not your balance — it includes interest through closing.

Second mortgage, HELOC or other liens

Solar loans, PACE assessments, contractor liens, judgments.

Payoff, wire and recording of satisfaction

Listing brokerage

Buyer agent comp

Since 2024 these are negotiated separately. Set buyer agent compensation to zero if you are not offering it.

Attorney or transaction fee

Documentary stamp tax on the deed

$0.70 per $100 of price, set by Florida statute. Customarily the seller in every Tampa Bay county.

Seller pays the owner’s title policy

Owner’s title insurance premium

Florida promulgated rate: $5.75 per $1,000 to $100k, then $5.00 per $1,000. Identical at every title company in the state.

Title search, exam and settlement fee

Municipal lien search

HOA or condo estoppel fee

Florida caps this at $299 when delivered on time.

This year’s property tax bill

I have already paid this year’s taxes Florida bills in arrears each November. If you have paid, the buyer reimburses you instead.

Monthly HOA or condo dues

Prorated to the closing date. Paid ahead, so this usually comes back to you.

Estimated net proceeds

Cash to you at the closing table

Total cost of sale$0

As a share of price0%

Equity released0%

Where the money goes

Every dollar of the sale price, in order of who takes it. What is left at the far right is yours.

Your proceeds Loan payoff Commission Closing costs Concessions

Line by line, the way it will appear on your closing disclosure.

Line item	Amount

Net at closing$0Wired to you at the table.

After out-of-pocket costs$0

Break-even sale price$0Below this you bring money to closing.

Documentary stamp tax on the deed is calculated at $0.70 per $100 of price, rounded up to the next $100 as the statute requires. This rate applies in all seven counties here; only Miami-Dade differs.
Title insurance uses Florida’s promulgated rate, which is identical at every title company in the state. If you bought within the last three years, ask about the reissue rate — it can cut the premium substantially.
Property taxes are billed in arrears in Florida, so the seller owes January 1 through the day before closing. The November through February early payment discount is not modeled.
Whether the seller pays the owner’s title policy is county custom, not law. The FAR/BAR contract controls, and the toggle above lets you model it either way.
The tax estimate for your county is a starting point built on average countywide millage. Your actual bill depends on your city, your CDD, and your homestead cap — enter the real number for an accurate proration.
Capital gains here is a rough federal estimate only. Depreciation recapture on a former rental, 1031 exchanges, and installment sales are not modeled. Talk to your CPA.

Estimates only · Not a commitment, a quote, or tax advice · Smith & Associates Real Estate