Home Sale Proceeds Calculator
A home sale proceeds calculator shows how much money you keep after you sell: the price, minus what you owe on the house, minus Florida closing costs, commissions and any credits to the buyer. Put in your numbers and the total updates as you type. Domain Realty Group, the #1 team in Southwest Florida since 2012, built it on the same state rates our closing agents use.
Data updated: October 2026. Rates come from the Florida Statutes and the Florida Administrative Code and are listed at the bottom of this page.
How much will I make selling my house in Florida?
You keep the sale price minus your loan payoff and your selling costs, and the biggest variable is the brokerage compensation you agree to. On a $585,000 sale with a $298,500 payoff, about $274,000 remains before commission. The fixed Florida costs are deed doc stamps at $0.70 per $100, the owner's title policy, the property tax proration and HOA estoppel fees. The calculator above adds them up for your price.
What comes out of your home sale proceeds?
Data updated: October 2026. Six groups of costs come out of the price before the closing agent wires your money. Loan payoffs and brokerage compensation are usually the largest, doc stamps and title insurance follow state rates, and the rest depend on your tax bill, your association and what you agree with the buyer.
| What comes out | How much |
|---|---|
| Mortgage and lien payoffs | Your lender's payoff amount, plus any HELOC, PACE or solar lien |
| Brokerage compensation | Whatever your listing agreement says; negotiable |
| Doc stamps on the deed | $0.70 per $100 of the price |
| Owner's title policy | State-set rate, usually paid by the seller in Lee, Collier and Charlotte counties |
| Property taxes for your months | A credit to the buyer, since Florida bills taxes in November |
| HOA items and buyer credits | Estoppel fees up to $299 per association, plus any repairs or closing credit you agree to |
How do you estimate your proceeds in three steps?
Start with a realistic sale price from recent nearby sales, subtract your payoff from your lender's latest statement, then let the calculator add the Florida closing costs. The figure you get is close to what a title company will show on the closing statement once the exact payoff and tax bill are in hand.
- Price: use recent sales in your community. Our free home valuation gives you a number to start with.
- Payoff: your loan balance plus about a month of interest.
- Costs: enter your tax bill, HOA details and any credits; the calculator figures doc stamps and title insurance for you.
Example: proceeds on a $585,000 Fort Myers home
Data updated: October 2026. A $585,000 sale closing August 14, 2026, with a $298,500 mortgage payoff, a $7,200 tax bill last year, one HOA and a $650 home warranty for the buyer. Brokerage compensation is left out because it is whatever you negotiate.
| Line | Amount |
|---|---|
| Sale price | $585,000.00 |
| Mortgage payoff | −$298,500.00 |
| Owner's title policy | −$3,000.00 |
| Doc stamps on the deed | −$4,095.00 |
| Property tax credit to the buyer, 225 days | −$4,260.82 |
| HOA estoppel certificate | −$299.00 |
| Home warranty | −$650.00 |
| Proceeds before brokerage compensation | $274,195.18 |
Every 1% of brokerage compensation at this price is $5,850. Add your rates in the calculator to see the final number.
Home sale proceeds vs. profit: what is the difference?
Proceeds are the cash wired to you at closing. Profit, or capital gain, is the sale price minus what you paid and the cost of improvements, minus selling costs. You can have large proceeds and little profit, or the reverse if your loan is nearly paid off.
| Proceeds | Profit (capital gain) | |
|---|---|---|
| What it measures | Cash you receive at closing | Increase in value since you bought |
| Subtracts your mortgage? | Yes | No |
| Used for | Your next down payment and moving budget | Federal income tax |
Use proceeds to plan your next purchase; use profit when you talk to your tax adviser.
Do you pay tax on home sale proceeds in Florida?
Florida has no state income tax, so there is no state tax on your gain. Federal tax applies only to profit above the exclusion: up to $250,000 for a single owner or $500,000 for a married couple who owned and lived in the home for two of the last five years. Your proceeds themselves are not taxed.
Are you buying your next home in Southwest Florida?
If you are moving within Southwest Florida, your proceeds set your budget for the next home. Browse Estero homes for sale, Bonita Springs, Naples and Fort Myers, or start a search of every property for sale. For a deeper look at each closing cost line, read the seller net sheet guide from McGreevy and Comisar, who lead our team.
Domain Realty Group has sold more than $2.5 billion in Southwest Florida real estate and has been the #1 team in Southwest Florida since 2012. Talk to the team about your sale: 239-441-2816, or contact us. Meet our agents, read about Domain Realty Group, or see what sellers say in our Verified Google reviews.
What is your home worth right now?
Get a free, no-obligation home valuation from the team and we will turn it into a line-by-line proceeds estimate using your real payoff and tax bill. We have represented sellers across Lee, Collier and Charlotte County, from first condos to waterfront estates. Call 239-441-2816 or contact us.
Domain Realty Group, 24031 S Tamiami Trl #101, Bonita Springs, FL 34134. Offices in Naples, Bonita Springs, Estero and Fort Myers. Team leads Jesse Eli McGreevy P.A., FREC license SL3101296, and Marc J Comisar P.A., Broker Associate, FREC license BK3060671. Brokered by Domain Realty.
Frequently Asked Questions: Home Sale Proceeds in Florida
How long after closing do I get my money?
Florida closing agents usually wire seller proceeds on closing day or the next business day, once the deed and the buyer's funds are in place. Confirm wire instructions by phone with your title company.
Does the calculator include commission?
Only if you enter it. Brokerage compensation is negotiable and set by your listing agreement, so the fields start blank.
Who pays doc stamps when you sell in Florida?
The seller, under the standard Florida contract: $0.70 for every $100 of the price, or $4,095 on a $585,000 sale.
Who pays for title insurance in Southwest Florida?
By custom in Lee, Collier and Charlotte counties the seller pays the owner's policy, at rates set by the state. The contract can assign it to the buyer instead, and the calculator has a switch for that.
Why do I owe the buyer for property taxes?
Florida taxes are billed every November for the whole year. If you close earlier, the buyer will pay that bill, so you credit them for the days you owned the home.
What if my proceeds come out negative?
You would bring money to closing or work out a short sale with your lender. The calculator shows a shortfall in red so you can plan for it before you list.
Is my information saved?
No. The calculator runs in your browser and sends nothing unless you fill in the form and ask for a copy.
How accurate is the estimate?
With your real payoff and tax bill it is usually within a few hundred dollars of the closing statement; we have represented enough sellers to know where the gaps come from. The title company's own fees and the final tax bill account for most of the difference.
How is the doc stamp tax figured on a Florida home sale?
It is $0.70 for each $100 of the price, counting any part of $100 as a full $100. On a $400,000 sale that is $2,800; on $800,000 it is $5,600.
How much is the owner's title policy on a Florida sale?
The state sets the premium: $2,075 on a $400,000 sale, $3,000 on $585,000, $4,075 on $800,000 and $6,325 on $1,500,000, before endorsements.
Can I lower my title insurance cost?
If you bought within the last three years and have your owner's policy, ask your title company for the reissue rate. It can cut the premium by a thousand dollars or more.
Do HOA estoppel fees come out of my proceeds?
Yes. The seller orders and pays for the estoppel certificate, capped at $299 per association when nothing is owed, plus up to $119 for rush delivery.
Are CDD fees paid off when I sell?
Usually not. Under the standard Florida contract, CDD assessments are prorated with property taxes, so the buyer takes over the remaining balance.
Can I use my proceeds as a down payment on my next home?
Yes. Many sellers time the two closings so the proceeds from one fund the next purchase. Your lender will want the final closing statement to document the funds.
Do buyer concessions reduce my proceeds?
Dollar for dollar. A $5,000 closing cost credit or repair credit comes straight out of what you receive, so compare offers on net, not on price.
Sources
Rates read on October 13, 2026 from the Florida Statutes, the Florida Administrative Code and the Department of Business and Professional Regulation.
- Florida Statutes s. 201.02, documentary stamp tax: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0201/Sections/0201.02.html
- Rule 69O-186.003, F.A.C., title insurance rates: https://flrules.org/gateway/ruleNo.asp?id=69O-186.003
- Florida Statutes s. 720.30851, HOA estoppel certificates: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0720/Sections/0720.30851.html
- Florida Statutes s. 718.116, condominium estoppel certificates: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0718/Sections/0718.116.html
- Florida DBPR, estoppel fee adjustment: https://www2.myfloridalicense.com/lsc/documents/ESTOPPEL_CERTIFICATE_FEES.pdf
- Florida Statutes s. 197.162, tax discount periods: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0100-0199/0197/Sections/0197.162.html
- IRS Publication 523, Selling Your Home: https://www.irs.gov/publications/p523
- Florida Statutes s. 201.031, Miami-Dade surtax: https://www.flsenate.gov/Laws/Statutes/2025/201.031
- Florida Statutes s. 125.0167, surtax rate cap: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0100-0199/0125/Sections/0125.0167.html
- Florida Department of Revenue, documentary stamp tax: https://floridarevenue.com/taxes/taxesfees/Pages/doc_stamp.aspx
- Rule 69O-186.003, full rule text: https://flrules.org/gateway/readFile.asp?sid=0&tid=2803511&type=1&file=69O-186.003.doc
- Florida Statutes s. 720.401, HOA disclosure summary: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0720/Sections/0720.401.html
- Florida DBPR, condominiums and community associations: https://www2.myfloridalicense.com/condos-timeshares-mobile-homes/
- Florida Senate, CS/HB 657 (2026), community associations: https://www.flsenate.gov/Session/Bill/2026/657
- Florida Statutes s. 197.333, when taxes are due: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0100-0199/0197/Sections/0197.333.html
- Florida Statutes s. 190.048, CDD disclosure: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0100-0199/0190/Sections/0190.048.html
- Florida Statutes s. 28.24, clerk recording fees: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0000-0099/0028/Sections/0028.24.html
- Lee County Clerk of Court, fees and costs: https://www.leeclerk.org/services/fees-costs
- Collier County Clerk of Courts, recording fees: https://www.collierclerk.com/recording-information/recording-fees/
- Florida Statutes s. 689.302, flood disclosure: https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0689/Sections/0689.302.html
- Florida Realtors and The Florida Bar, AS IS Residential Contract ASIS-7: https://www.floridarealtors.org/sites/default/files/2024-12/AS%20IS%20Residential%20Contract%20for%20Sale%20and%20Purchase%20%28FloridaRealtors-FloridaBar-ASIS-7%29%20Redline%20%281%29.pdf
- Florida Realtors, 2026 form updates: https://www.floridarealtors.org/news-media/news-articles/2026/01/florida-realtors-rolls-out-new-updated-forms
- Florida Realtors, NAR settlement FAQs: https://www.floridarealtors.org/law-ethics/nar-settlement-faqs
- National Association of Realtors, settlement FAQs: https://www.nar.realtor/the-facts/nar-settlement-faqs
- Burnett v. NAR settlement documents index: https://www.realestatecommissionlitigation.com/nar-documents
This calculator is an estimate, not a closing statement, and not legal or tax advice.