What will you walk away with?
Estimate your net proceeds from selling a home in Southwest Florida. This calculator uses Florida's documentary stamp tax and state-set title insurance rates, plus the costs sellers in Lee & Collier County usually pay.
Your sale details
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Other fees & credits
Florida seller closing costs, explained
Documentary stamp tax
Florida charges $0.70 per $100 of the sale price on the deed. That's 0.70% in Lee and Collier County. On a $650,000 sale it comes to $4,550, and the seller usually pays it.
Owner's title insurance
Florida sets title rates by law: $5.75 per $1,000 for the first $100,000, then $5.00 per $1,000 up to $1M and $2.50 per $1,000 from $1M to $5M. In Southwest Florida the seller usually pays for the buyer's owner's policy.
Property tax proration
Florida property taxes are paid in arrears, so at closing you credit the buyer for the days you owned the home that year. The calculator prorates from January 1 to your closing date.
| Cost | Who typically pays in Lee & Collier |
|---|---|
| Doc stamps on the deed (0.70%) | Seller |
| Owner's title insurance policy | Seller (negotiable in the contract) |
| Listing & buyer's agent compensation | Seller, as agreed in the listing and purchase contract |
| Mortgage payoff & release recording | Seller |
| HOA / condo estoppel certificate | Usually seller |
| Lender's title policy, doc stamps & intangible tax on a new mortgage | Buyer |
| Recording the deed, survey, inspections, appraisal | Buyer |
Common questions about closing costs
How much are seller closing costs in Florida?
Most Southwest Florida sellers pay about 7–9% of the sale price when agent compensation is included. Without commissions, doc stamps, owner's title insurance and settlement fees usually come to about 1.2–1.5% of the price.
Who pays title insurance in Lee and Collier County?
By local custom the seller pays for the owner's title policy and usually picks the title company. This can be negotiated in the purchase contract. In some other Florida counties, such as Miami-Dade and Broward, the buyer usually pays.
Can I lower my title insurance cost?
Yes. If you have your owner's title policy from when you bought the home, the title company may be able to apply Florida's lower reissue rate. Give your listing agent a copy of your old policy.
How are property taxes handled at closing?
Florida tax bills go out in November and cover the whole calendar year, so they are paid in arrears. At closing the seller credits the buyer for the days from January 1 to the closing date. The title company figures this from the most recent tax bill.
Are agent commissions negotiable?
Yes. Listing brokerage fees and any compensation offered to the buyer's agent are always negotiable and are set in writing. Talk with us about the right plan for your home on our compensation for listings page.
Is there a capital gains tax when I sell?
Florida has no state income tax. Federal capital gains tax may still apply, but many owners of a primary residence can exclude up to $250,000 of gain ($500,000 for married couples) if they meet IRS rules. Ask a tax professional about your situation.
Get a real net sheet for your home
We'll prepare a detailed seller net sheet based on recent comparable sales, your actual payoff, taxes and HOA fees. There's no cost and no obligation.
This calculator provides an estimate for informational purposes only and is not a Closing Disclosure or a guarantee of net proceeds. Actual costs depend on your contract terms, title company, lender payoff, association fees, special assessments, and tax proration. Title premiums are figured at Florida promulgated original rates; reissue credits or endorsements may change them. Consult your title agent, attorney, or tax advisor for exact figures. Knowledge Base Real Estate, Inc. · Licensed Real Estate Broker · Equal Housing Opportunity.