Draft pending legal review. This disclaimer describes how the calculator works today. It has not yet been reviewed by an attorney and may change before launch.
Seller Net Proceeds Calculator Disclaimer
SellersNetPay.com provides estimates for informational and educational purposes only. The results generated by this calculator are based on information entered by the user, estimated costs, and assumptions used by the calculator.
Your actual net proceeds may be higher or lower than the amount shown.
Actual transaction costs may include, but are not limited to, mortgage and lien payoffs, brokerage compensation, title and settlement charges, documentary or transfer taxes, property taxes, assessments, prorations, homeowner or condominium association charges, attorney fees, repairs, seller concessions, credits, government charges, and other transaction-specific expenses.
Rates, taxes, fees, customs, and closing practices may vary by property, location, closing agent, contract terms, and transaction.
Any brokerage compensation entered into or displayed by the calculator is for estimation purposes only. Sellers Net Pay does not establish, recommend, require, or set brokerage compensation. Brokerage compensation is negotiable and is determined separately between the consumer and the applicable real estate professional.
Sellers Net Pay does not determine the market value of your property. Any sale price entered into or displayed by the calculator is not an appraisal, broker price opinion, comparative market analysis, or guarantee that a property will sell for that amount.
Sellers Net Pay is an independent technology and information platform. Sellers Net Pay is not a real estate brokerage, title company, mortgage company, law firm, accounting firm, or financial advisory firm.
Nothing provided through SellersNetPay.com constitutes real estate brokerage, legal, tax, accounting, financial, mortgage, title, or other professional advice.
Use of SellersNetPay.com does not create a brokerage, agency, fiduciary, attorney-client, financial advisory, or other professional relationship with Sellers Net Pay.
Calculator results are not a Closing Disclosure, settlement statement, title commitment, mortgage payoff statement, or guarantee of proceeds.
Users should verify all figures with the appropriate real estate professional, title or closing agent, lender, attorney, tax professional, or other qualified professional before making financial or real estate decisions.
ESTIMATE ONLY, NOT A CLOSING STATEMENT OR GUARANTEE OF PROCEEDS.
The short version
The Your Company calculator gives an estimate of what you might net from selling a Florida home. It is not a closing statement, an offer, an appraisal or a guarantee of proceeds, and it is not real estate, legal, tax or financial advice. Your actual figures come from the settlement statement your title company or closing attorney prepares.
How the estimate is built
Net proceeds are what is left of the sale price after every loan is paid off and every cost of selling is covered:
Net = sale price, minus mortgages and liens, minus agent compensation, minus closing costs, minus concessions and repairs, plus or minus the property tax proration.
Some figures come from you: the sale price, your payoffs and liens, the agent compensation in your listing agreement and any you offer the buyer's agent, concessions, repairs, unpaid association dues and other costs. The rest the calculator works out from Florida rules and typical fees, listed below. The result is only as good as the figures you enter.
Rules and typical figures
| Item | What the calculator uses |
|---|---|
| Documentary stamp tax on the deed | $0.70 per $100 of the price, rounded up to the next $100. Miami-Dade: $0.60 per $100 for a single-family home, $1.05 for other property types (including the $0.45 surtax). |
| Owner's title insurance | Florida promulgated rate: $5.75 per $1,000 up to $100,000; $5.00 per $1,000 from $100,000 to $1,000,000; $2.50 per $1,000 from $1,000,000 to $5,000,000; $2.25 per $1,000 from $5,000,000 to $10,000,000; $2.00 per $1,000 above $10,000,000. Counted only when the seller pays for the policy. |
| Title search and exam | $350, only when the seller pays for the owner's policy |
| Settlement or closing fee | $495 |
| Municipal lien search | $250 |
| Recording, wire and courier | $150 |
| HOA or condo estoppel certificate | $299, only when there is an association |
| Property tax proration | The prior year's full tax bill (ad valorem taxes plus any non-ad valorem assessments) less the 4% early payment discount, credited to the buyer from January 1 through the day before closing. This is the calculator's closing-date convention; your contract and closing or settlement agent set the actual proration, which may differ. |
| What-if prices | 5% below and 5% above your price, each rounded to the nearest $1,000 |
Calculator rules version 2026.09.1. The on-screen estimate, the PDF net sheet and our emails all use the same rules.
County customs
Who pays for the owner's title policy is a local custom, not a law. The calculator starts with the custom below and lets you switch it, because your purchase contract decides.
| County | Doc stamps per $100 | Owner's title policy customarily paid by |
|---|---|---|
| Broward | $0.70 | Buyer |
| Miami-Dade | $0.60 or $1.05 | Buyer |
| Palm Beach | $0.70 | Seller |
| Collier | $0.70 | Buyer |
| Sarasota | $0.70 | Buyer |
| Brevard | $0.70 | Seller |
| Charlotte | $0.70 | Seller |
| Duval | $0.70 | Seller |
| Hillsborough | $0.70 | Seller |
| Lee | $0.70 | Seller |
| Manatee | $0.70 | Seller |
| Orange | $0.70 | Seller |
| Osceola | $0.70 | Seller |
| Pinellas | $0.70 | Seller |
| Polk | $0.70 | Seller |
| Seminole | $0.70 | Seller |
| St. Johns | $0.70 | Seller |
| Volusia | $0.70 | Seller |
| Any other Florida county | $0.70 | Seller (a starting point, check your contract) |
What the estimate leaves out
Unless you enter them yourself, for example as concessions or other costs, the estimate does not include:
- income tax on the sale. Whether you owe any depends on your circumstances, so talk to a tax professional;
- federal withholding that can apply when the seller is a foreign person (FIRPTA);
- prepayment penalties, late charges or anything else your lender adds to a payoff beyond the figure you enter;
- anything a lien search turns up, such as open permits, code violations or unrecorded liens;
- title endorsements, a survey, a home warranty, or other costs you agree to pay under your contract;
- money you may get back after closing, such as the balance of your lender's escrow account.
Figures that can change
Typical fees vary between title companies and closing attorneys, and tax rates and promulgated rates can change. We review and update the calculator's rules, but we cannot promise every figure is current on the day you use it. Payoff interest, the final tax bill and anything negotiated with the buyer will also move your number.
Not advice
Your Company is an independent technology platform, not a real estate brokerage, title company, mortgage company or law firm. Before you rely on any figure, confirm it with your title company or closing attorney, your lender and, for taxes, a tax professional. How far we can be responsible for an estimate is set out in the Terms of use.
Spotted an error?
If a rule or figure looks wrong, please tell us which county and which line, and we will check it.