What are typical seller closing costs in Florida — and how much should I budget?

When selling a home in Florida, the sale price isn’t what you net. Closing costs take a slice, and many sellers underestimate how big that slice can be. If you’re in Clermont, Winter Garden, Windermere or nearby, here’s what to expect — and how to minimize surprises.

Typical seller costs in Florida:

• Agent commissions: This usually makes up the biggest share. According to recent sources, 5% to 6% is a common benchmark. (Houzeo)

• Transfer and document taxes: Florida has documentary stamp tax on deeds, which often runs around 0.70% of the sale price. (Real Estate Witch)

• Title, recording and settlement fees: These vary but often add up to a few thousand dollars. (Real Estate Witch)

• Prorated property taxes: You’ll owe taxes for the portion of the year you owned the home. (Real Estate Witch)

• Credit for buyer concessions: Many sellers budget around 2% of sale price for incentives or closing credit to buyers. (Real Estate Witch)

How much that actually translates to:
On a $410,000 home (a number many Central Florida sellers are working with), closing costs could range from 6.25–9% of the sale price, putting your out-of-pocket closing total somewhere between $25,000 and $37,000. (Houzeo)

Ways to reduce costs (yes, you can):

• Negotiate commission: Ask about different fee structures or simply negotiate these commission fees - remember an agent should be able to show their worth.

• Shop for title services: Compare title companies for better rates.

• Limit concessions: If your home is well-priced, you might not need to offer large credits to close.

• Choose timing wisely: If you don’t need to move quickly, avoid giving up more to hurry a deal.

2026 trend to watch:
With inventory cooling and buyer negotiation power increasing, sellers who are realistic about closing costs will fare better. Overestimating costs can push you into a pricing strategy that scares off buyers; underestimating them can eat into your proceeds.

Want a customized closing-cost estimate for your home in Clermont, Windermere, or Minneola? I’ll run the numbers — no guesswork.