What Sellers Actually Pay At Closing (And Where That Money Goes)

The Line Items That Come Out Of Your Proceeds

The real estate commission is the biggest chunk: historically 5% to 6% of the sale price. That structure has been shifting since 2024 rule changes to how buyer-agent commissions get negotiated and disclosed. Owner's title insurance runs around 0.5% of sale price. Escrow and settlement fees typically fall between $200 and 0.5% of the purchase price. Prorated property taxes come off your annual tax bill, split across however many months you owned the home that year. Bill's $6,000 a year? You only cover the months up to closing, not the full year. Smaller fees round things out: HOA transfer fees ($100 to $500), recording fees ($50 to $250), notary fees ($50 to $150), courier fees ($25 to $75). If a buyer negotiates concessions, add another 1% to 3% of the purchase price. Concessions get negotiated case by case. Never automatic.

Florida's Documentary Stamp Tax And The 3-Day Disclosure Rule

Florida charges a documentary stamp tax on the deed: $0.70 per $100 of the sale price (Miami-Dade County uses a different rate). That cost customarily falls on the seller at closing. Florida is also one of the states, along with Texas and Missouri, where the seller customarily pays for the buyer's owner's title insurance policy instead of the buyer. On the timeline: federal disclosure rules require both buyer and seller to receive a Closing Disclosure at least 3 business days before closing. The final numbers on your settlement statement should never be a surprise on closing day.

What This Means When You're Deciding How To Sell

Closing costs take roughly the same percentage bite no matter who buys the house. The number that actually matters is your net proceeds: the price before those costs come out. In practice, sellers usually choose between three paths. Sell to an investor who prices in a steep discount to cover their own resale margin and quick-close costs. List traditionally with a realtor and wait 6 to 9 months while covering holding costs, with real risk the deal falls through before closing. Or work with a licensed brokerage that connects you directly to a real financed buyer already qualified through FHA, conventional, VA, or DSCR lending.

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.

CFD works this third path through a novation structure: one contract, a real buyer purchasing directly from you, and CFD's fee disclosed as a line item on the settlement statement instead of folded into a lowball number. Whichever route you take, ask for the closing cost breakdown in writing before you sign anything.

Cash Flow Deals' Net Price Offer Process:

1. Cash Flow Deals reviews your property and sends a written net price offer showing exactly what you'll walk away with after closing costs are accounted for, usually within 24 hours of your request.

2. Once you accept, Cash Flow Deals' licensed FL brokerage partner, Silver Door Realty, lines up a real financed buyer already qualified through FHA, conventional, VA, or DSCR lending, all under one novation-based contract.

3. At closing, your locked-in net price and closing costs get paid first. Cash Flow Deals' fee is disclosed as its own line item on the settlement statement. You can close in as little as 10 business days once a qualified buyer is in place.