NetSheetCalculatorPowered by Sol Title

FOR FLORIDA HOME SELLERS & REALTORS

Florida Seller
Net Sheet
Calculator

Estimate what you could take home from your Florida home sale. Start with your selling price, subtract your mortgage payoff and closing costs, and plan your next move with a clearer number.

Calculate your net proceeds

For homeowners comparing offers and real estate agents preparing seller estimates.

SELLER NET SHEETEXAMPLE

Estimated take-home proceeds

$142,500.00
The number to plan your next move around
Sale price$450,000
Loan payoff− $280,000
Agent compensation− $22,500
Deed documentary stamps− $3,150
Title & closing charges− $1,200
Tax & HOA adjustments− $650
Estimated net proceeds$142,500

Illustrative Florida sale outside Miami-Dade. Costs are assumptions, not a quote. See the worked example below.

01 / THE BIG PICTUREEvery dollar, accounted for.
Sale priceLoan payoffSelling costsYour net proceeds

PUT YOUR NUMBERS TO WORK

Estimate your seller proceeds.

Use Sol Title’s calculator below. Have your expected sale price, property location, mortgage payoff, and agreed selling costs ready.

Prefer a separate page? Open the calculator on Sol Title’s website

Calculator provided through Sol Title’s AgentNet Solutions widget. If it does not load, use the link above. Results are estimates; confirm the figures with your closing professional.

FROM SALE PRICE TO TAKE-HOME

See beyond the
number on the offer.

Use a net sheet to understand where the money goes—and what may be left for what comes next.

01

Start with the sale price.

Use your expected selling price as the starting point for your estimate.

02

Account for what comes out.

Include loan payoffs, agreed agent compensation, closing costs, and any seller credits.

03

Understand what’s left.

The remaining amount is your estimated net proceeds. Review the details with your agent or closing professional.

KNOW WHAT GOES INTO THE ESTIMATE

What belongs on a Florida seller net sheet?

A seller net sheet estimates the cash remaining after a sale. Use it before listing, when comparing offers, and again as your closing details become clearer.

Mortgage and lien payoffs

Enter the amount needed to pay off your loan at closing, plus any other liens. Ask your lender for a dated payoff quote; your statement balance may not include all interest and fees.

Agent compensation and seller credits

Use the compensation in your signed agreements and any credits you agree to give the buyer. Enter your actual amounts rather than assuming a standard fee.

Florida documentary stamp tax

For a typical taxable deed outside Miami-Dade County, the rate is $0.70 for each $100 of consideration, rounded up to the next $100. Miami-Dade has different rates and surtax rules. Confirm the taxable amount and who pays under your contract.

Florida Department of Revenue: rates and exceptions ↗

Title, closing and property adjustments

Include your quoted title insurance and closing charges, plus applicable recording, tax, HOA, or condominium adjustments. Ask your closing professional which costs apply to your transaction and which party pays them.

Payoff guidance: Consumer Financial Protection Bureau: payoff amount versus current balance.

A WORKED EXAMPLE

A $450,000 sale.
An estimated $142,500 left.

Here is how the sample above adds up. These figures illustrate the method; they are not Sol Title’s fee quote or a prediction for your property.

Start with $450,000 and subtract a $280,000 mortgage payoff and $22,500 in agreed agent compensation.

The remaining $5,000 in assumed costs consists of $3,150 in deed documentary stamps ($450,000 ÷ $100 × $0.70), $1,200 in title and closing charges, and $650 in tax and HOA adjustments.

This example assumes a taxable sale outside Miami-Dade, with the seller paying the listed costs and no additional liens or seller credits. A $5,000 buyer credit would reduce the estimate to $137,500.

$450,000 − $280,000 − $22,500 − $5,000 = $142,500 estimated proceeds

COMMON QUESTIONS

Before you plan around
your proceeds.

What is a seller net sheet?

It is an estimate of what a seller could receive after a property sale, once loan payoffs and selling expenses are deducted. It helps homeowners and agents compare possible outcomes before closing.

How accurate is a net sheet calculator?

The result depends on the numbers entered. Estimated fees, a changing closing date, loan interest, inspections, and negotiated credits can change the final amount. Update your estimate as you receive payoff statements and closing quotes.

Is a seller net sheet the same as a closing statement?

No. A net sheet is a planning estimate. Your final closing statement records the actual charges, credits, payoffs, and amount due at closing. Review that statement with your closing professional.

Can I compare two offers with a net sheet?

Yes. Run an estimate for each offer using its sale price, requested credits, and other agreed costs. A higher price does not always leave more cash if the offer also includes larger seller concessions.

Does $0 settlement fees mean there are no closing costs?

No. Sol Title’s $0 settlement fee offer does not eliminate other applicable expenses, such as title insurance, taxes, recording charges, loan payoffs, or agreed agent compensation. Request an itemized quote for your transaction.

Can I use this for a refinance?

A seller net sheet is designed for a home sale. Sol Title also handles refinances; contact the team for an estimate that reflects your new loan, existing payoff, and refinance closing costs.

RESOURCES

More support.
From contract to closing.

Explore Sol Title’s tools and resources for real estate professionals.

FOR REAL ESTATE PROFESSIONALS

Realtor Resources

Find closing calculators, marketing resources, and transaction support to help you serve your clients.

Explore resources at Sol Title