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Florida Seller Net Sheet Calculator

A Florida seller net sheet shows your estimated proceeds after subtracting your mortgage payoff and seller-side closing costs from the sale price. The biggest line items are the documentary stamp tax on the deed ($0.70 per $100 statewide), owner's title insurance, settlement fees, and any listing commission.

The Cash Flow Deals novation path removes the listing commission from the seller's side because a real, bank-financed buyer is already identified. CFD's fee is a separate closing line item — it does not come off the seller's net. One contract, one title transfer, no assignment or double close. Use the calculator below to compare your estimated net under a traditional MLS listing versus the novation path.

Build a Florida seller net sheet: sale price minus payoff, documentary stamp tax, title and settlement fees, and commission, for an estimated net to seller, compared against the Cash Flow Deals novation path.

Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (FL License #3280644). About the reviewer

PENDING_REAL_HUD_VALIDATION. ESTIMATE_ONLY · NOT_TAX_ADVICE · NOT_LEGAL_ADVICE · PENDING_REAL_HUD_VALIDATION. Figures are estimates from documented Florida formulas and your inputs. Not validated against real settlement statements yet. Not tax or legal advice. Confirm exact figures with your title company or a Florida attorney.

Your numbers

Estimate

Documentary stamp tax (deed)$2,100
Owner's title insurance (est.)$1,575
Settlement fees (est.)$694
Total seller closing costs (est.)$4,369
MLS / flat-fee listing$129,132

commission 5.5% + repairs/concessions estimate; ESTIMATE_ONLY

Traditional cash investor$75,000

offer = price × (1 − 25% discount); investor assumed to cover closing; ESTIMATE_ONLY

Cash Flow Deals (novation)$145,632

no listing commission; CFD fee is a separate closing line, not taken from the seller; single title transfer (novation, not assignment/double close); ESTIMATE_ONLY