Every cost, explained clearly — commissions, doc stamps, title fees, closing costs, and the taxes sellers often forget to factor in.
See What You'd Net — Free ReviewThe fees you pay depend entirely on how you sell. Here is every line item, side by side, so you can understand the actual cost of each path before you decide.
Some of these line items are well-known. Others catch sellers off guard. Here is a plain-language explanation of each.
The combined fee paid to the listing agent and buyer's agent. This is the largest single cost in a traditional sale and is paid from sale proceeds at closing — not out of pocket beforehand.
Florida's documentary stamp tax on the deed transfer. Sellers pay $0.70 per $100 of sale price. On a $300,000 sale: $2,100. On $400,000: $2,800. This applies in both traditional and direct sales.
In Orange County and most Central Florida counties, custom is for the seller to pay for the owner's title insurance policy — approximately 0.5% of the sale price. In a direct sale, terms are often negotiated differently.
The fee charged by the title company to coordinate and close the transaction. Typically $500–$800 and applies in both traditional and direct sales. Each party may pay their own.
If your property has an HOA, Florida law requires an estoppel certificate confirming your current standing and any outstanding dues. The HOA charges for this — typically $100–$300.
Property taxes in Florida are paid in arrears. At closing, sellers typically credit the buyer for the portion of the year they owned the property. Actual amount depends on tax assessment and close date.
These items don't show up on a closing cost disclosure — but they directly reduce what you walk away with.
Here is a realistic side-by-side comparison showing estimated net proceeds for the same seller using each method. Numbers are illustrative — your actual figures will vary based on mortgage balance, condition, and specific terms.
Based on a $350,000 market value home with a $200,000 mortgage balance (excluded from above — deducted equally from both). Assumes no liens. Illustrative only.
Florida imposes a documentary stamp tax on the deed when property changes hands. The seller pays $0.70 per $100 of the sale price — or 0.70% of the total. There is no exemption based on primary residence status. This applies to every residential sale in Orlando regardless of how you sell.
| Sale Price | Doc Stamps Owed |
|---|---|
| $200,000 | $1,400 |
| $300,000 | $2,100 |
| $400,000 | $2,800 |
| $500,000 | $3,500 |
| $600,000 | $4,200 |
Federal capital gains tax may apply when you sell a home for more than you paid. However, most primary residence sellers qualify for the IRS exclusion:
Important: Capital gains tax rules are complex and depend on your specific situation — purchase price, cost basis, holding period, filing status, and more. Always consult a licensed CPA or tax advisor before your closing for an accurate picture of your tax obligation.
Direct sales with People's Industry Investments carry zero agent commissions. You keep the portion of your equity that would have gone to agents.
We walk through every closing cost line before you commit. No surprises at the table — you know your exact net before you decide.
Every transaction closes through a licensed Central Florida title company. Your funds are secure, your title is clear, and the process is professional.
Request a free property review and we'll show you what a direct sale nets — with every cost accounted for, before you commit to anything.
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