Chapter 04 · Sale
Florida Seller Closing Costs
All deductible costs at closing for real estate sellers in Florida.
Direct answer · 60-second summary
The 60-second version
- Real estate commission: 5–6% of price
- Documentary stamp tax: $0.70 per $100
- Owner's title insurance: ~0.21% of price
- Title search + attorney fees
- Prorations: taxes, HOA, utilities
- Closing fee (title company): $300–$600
- Buyer's appraisal reimbursement (optional)
- Total: 8–9.5% before gains/basis calc
Acronyms used in this guide
- DST — Documentary Stamp Tax ($0.70 per $100)
- F.S. — Florida Statutes
- HOA — Homeowners Association
- FAR/BAR — Florida Realtors / Florida Bar
Real estate commission: largest cost
Agent paid from seller side (or MLS split). Florida standard: 5.5–6% of price. Negotiable. Deductible from adjusted basis for US sale gain.
Documentary Stamp Tax (DST) F.S. §201.02
Seller pays DST on deed: $0.70 per $100 price. Calculation: (price ÷ 100, round up) × $0.70. Example: $300K sale = $2,100 DST.
Owner's title insurance + search
Seller pays (Florida custom): owner's title insurance (~0.21% of price), title search, attorney title fees. Closing by title company: $300–$600.
Prorations: taxes, HOA, utilities
Annual prorations at closing. Seller: pays through closing date (real property taxes, HOA if applicable, utilities). HOA estoppel letter required.
Every figure, rate, threshold, and deadline in this guide is drawn from a verifiable primary source listed at the bottom of the page. The article is updated whenever the underlying rules change, with a fresh review date stamped at the top.
Sources and references
Disclaimer
This guide is for educational purpose only.
For concrete decisions, consult a licensed attorney.