Home Selling Cost: Every Category, Not Just Commission

Five Categories, One Real Total

So what's actually inside home selling cost beyond the number an agent quotes you? Five categories: agent commission (2.5% to 3% per side, up to 6% combined when both sides are paid), seller closing costs like title insurance (roughly 1% of sale price) and escrow fees (roughly 0.5%), attorney fees (commonly around $1,000), pre-listing repairs and inspection (a few hundred dollars up to several thousand), and moving costs ($882 to $2,567 for a local move, averaging $1,711).

On a $400,000 sale: commission alone runs $10,000 to $24,000, title insurance runs roughly $4,000, escrow fees roughly $2,000, and a local move averages $1,711 - before repairs or staging are even added.

Five categories - commission, closing costs, repairs, staging, moving - not one commission line, make up your real home selling cost.

Florida's Sixth Category: A Fixed Number by Law

You have one more cost most national breakdowns never mention, and it doesn't move no matter how you negotiate: Florida's documentary stamp tax on your deed. Florida Statute 201.02(1)(a) sets that tax at $0.70 for every $100 of sale price in every county except Miami-Dade, where Florida Statute 201.031 sets a $0.60-per-$100 base rate with no surtax on a single-family transfer. On a $400,000 sale, that's $2,800 due at closing outside Miami-Dade.

Cash Flow Deals gives you two offers to compare: 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. You choose. 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. Only what your buyer's lender requires gets fixed, with repair costs settled from the sale proceeds from our share. With Fast Cash, you make no 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. 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.

Think of the stamp tax like a toll booth on the way to your closing table: fixed, the same for every seller in that county, and due regardless of which path gets you there.

Skip the Category-by-Category Math

You shouldn't need six line items and a calculator just to find out what you'll walk away with.

Cash Flow Deals Offer Process:

1. Cash Flow Deals reviews your house and returns a written net-price offer, typically within 24 to 48 hours.

2. Its licensed FL brokerage partner, Silver Door Realty, walks you through exactly which categories were already subtracted from that number.

3. You 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.

Add up the six cost categories yourself first if it helps you see where the money goes - commission, closing costs, repairs, staging, moving, and Florida's documentary stamp tax. Just know a written net-price offer skips the math entirely.