What Is the Typical Real Estate Agent Commission in Florida?

How CFD Gets Paid — And How Your Agreed Number Works

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. 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.

We cover repair costs, and we figure out a way, so nothing comes out of your pocket. With Premium, only what the buyer's lender requires gets fixed; those repair costs are covered up front and settled from the sale proceeds, from our share rather than your number. With Fast Cash, you sell as-is without making repairs.

For Premium, your home may be listed through Silver Door Realty, a licensed Florida brokerage. A licensed agent handles scheduled showings. You sign with us at your agreed number and give us permission to bring in a buyer in our place. That buyer signs a new contract directly with you, title transfers directly from you to the buyer, and the buyer's lender funds the purchase.

At closing, anything owed is paid first from the sale proceeds, including your mortgage payoff, liens, taxes, fees, closing costs, commissions and required repairs. You then receive your agreed number, and CFD is paid last from what remains, shown as a separate line item on the closing statement. On Premium, those costs come from our share, not your number. Traditional commission has historically split close to 50-50 between the two sides, with total rates roughly between 4% and 8%; your actual terms are negotiated. Nothing comes out of your pocket.

If the 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. Compare both written offers to see what you would receive.

What Changed for Sellers in August 2024

A National Association of Realtors settlement changed how buyer-agent commission gets handled, effective August 2024. Buyer-agent compensation can no longer be advertised through the MLS. It now has to be negotiated in writing between a buyer and their agent before that agent can tour homes with them. A seller can still choose to offer to cover the buyer's agent's fee as part of their listing strategy, but it's optional now, not the default. Practically, that means a Florida seller working with a traditional listing agent has one more decision to make up front: whether to offer buyer-agent compensation at all, and if so how much. It affects how many agents are willing to show the home.

How This Fits Into Your Selling Decision

Commission is one part of what you walk away with when you sell your Florida home. A traditional listing also involves timing: the process can run six to nine months, and a buyer's financing can fall through before closing. An investor buying for cash may avoid a listing commission while offering less than a retail buyer would pay.

With Cash Flow Deals, you 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 which offer fits your needs.

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. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what the buyer's lender requires gets fixed, with costs covered up front and settled from the sale proceeds, from our share. Fast Cash means you sell as-is without making repairs.

Here is how your Cash Flow Deals offer process works:

1. Cash Flow Deals reviews your property details and typically returns written offers within 24 hours so you can compare what you would receive under each option.

2. If you choose Premium, you sign with us and give us permission to bring in a buyer in our place. Your home may be listed through Silver Door Realty, our licensed FL brokerage partner, with a licensed agent and scheduled showings. The buyer signs a new contract directly with you, title transfers directly to that buyer, and their lender funds the purchase. If the buyer's loan falls through, that is our problem, not yours, and you can still choose the Fast Cash Offer at its own number instead of the Premium Cash Offer.

3. The existing closing target is 45 days or less, on a date you help pick; your written offer sets out the timing for the option you choose. At closing, anything owed is paid first from the sale proceeds, including payoffs, liens, taxes, fees, closing costs, commissions and required repairs. You receive your agreed number next, and CFD is paid last from what remains. On Premium, those costs come from our share rather than your number. The number 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.