Home Sale Net Proceeds: What You Actually Keep in Florida

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.

With Cash Flow Deals, you choose between the Fast Cash Offer, where we buy your house as-is and close, and the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. With Premium, your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings.

We cover repair costs, and we figure out a way, so nothing comes out of your pocket. With Premium, only what your buyer's lender requires gets fixed; we front those costs and settle them from the sale proceeds, from our share. With Fast Cash, you sell as-is without making repairs. The number is agreed before any work starts, and it changes only if you agree. 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.

Your documentary stamp tax, payoff, and anything else owed are paid from the sale at closing, then you receive your agreed number, and we are paid last from what is left. On Premium, costs come from our share, not your number, subject to the structural exception just described. If your buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number instead of the Premium Cash Offer.

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. Close in 45 days or less, on a date you help pick.

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.