Home Sale Net Proceeds: What You Actually Keep in Florida
Published by Cash Flow Deals · Last updated 2026-08-17 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®), affiliated with Silver Door Realty, LLC (License #CQ1064903)
A net proceeds calculator subtracts commission, closing costs, and payoff from your sale price. Florida adds one line most calculators skip: a documentary stamp tax on the deed. Cash Flow Deals can show you the real number in writing.
| [Cash Flow Deals](/) | Traditional Listing | |
|---|---|---|
| Timeline | 7-21 days, you pick the closing date | 30-90+ days, tied to a buyer's financing |
| Repairs | None required before closing; net price locked before repairs are scoped | Often required after a buyer's inspection |
| Fees/Costs | Flat fee built into the net price; no percentage commission | 5-6% agent commission deducted from proceeds at closing |
| Certainty | Net price locked at signing | Price can move after inspection or appraisal |
What a Net Proceeds Calculator Actually Subtracts
A home sale calculator estimates what lands in your account after every cost comes out of the sale price. Three categories do most of the work: agent commission (commonly 5-6% split between listing and buyer's agents), seller-side closing costs (title insurance, escrow, and transfer taxes), and your remaining mortgage payoff. Repairs and buyer concessions negotiated after inspection come out on top of that.
None of those categories are fixed the day you list. A commission rate can move, a repair credit can appear after inspection, and a buyer's financing can fall through, each one changing the number that actually reaches you at the closing table.
The Line Item Most Calculators Skip in Florida
Florida charges a documentary stamp tax of $0.70 per $100 of the sale price on most deed transfers, except in Miami-Dade County, where the base rate drops to $0.60 per $100 and an additional surtax applies to certain property types, though not to single-family homes, according to the Florida Department of Revenue.
On a $400,000 sale outside Miami-Dade, that tax alone runs close to $2,800, a line item many sellers never see coming because it rarely shows up in a generic, national calculator built for every state at once.
Cash Flow Deals is a Florida real estate investor that locks in a net price for a seller's house before repairs are scoped, using a novation-based, flat-fee process arranged through its licensed FL brokerage partner, Silver Door Realty - not a traditional listing, and not a brokerage itself. That means the doc-stamp math, your payoff, and every other line item are settled before you sign, not estimated after.
Get Your Real Net Number
A calculator gives you a range. A written offer gives you the number that actually shows up at closing.
Cash Flow Deals Offer Process:
1. Request a no-obligation review from Cash Flow Deals and get a written net-price offer back, typically within 24-48 hours.
2. Review the offer with a Silver Door Realty agent, including exactly how condition and comps were weighed.
3. Pick your closing date - as soon as 10 business days out, or later if you need more time.
The one exception: if something structural surfaces that was not visible or disclosed before we signed - foundation issues, hidden moisture, old wiring, cast-iron drain failure - we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens.
Common questions
What gets deducted from my home sale price in Florida?
Typically agent commission (if listed), title and escrow closing costs, Florida's documentary stamp tax on the deed, prorated property taxes, and your remaining mortgage payoff. Cash Flow Deals locks in your net number before any of those line items shift.
What is Florida's documentary stamp tax?
A tax on the deed of $0.70 per $100 of the sale price in most Florida counties, or $0.60 per $100 in Miami-Dade, per the Florida Department of Revenue. On a $400,000 sale outside Miami-Dade, that's close to $2,800.
How fast can I get a real net number instead of a calculator estimate?
Cash Flow Deals typically returns a written net-price offer within 24-48 hours, with a closing date as soon as 10 business days out.
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What this means for your options
A value estimate is a starting point, not a guaranteed number. Our process tests your home against the real market -- real buyers, real comps -- before you commit to a price.
Wait and see
Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.
List with a traditional agent
Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.
Sell to Cash Flow Deals
No repairs, no showings, no financing contingency on your side — our novation structure connects you with a bank-financed buyer at a price locked at signing. Usually within one business day.
See your selling options before you decide anything.