When you're ready to sell your home in Palm Coast or Flagler County, it's easy to focus only on what you hope to make—but don’t forget to factor in what it will cost to close.
💡 Florida home sellers typically pay between 6% to 9% of the sale price in closing costs, depending on the sale structure and service providers.
In this blog, we break down exactly what’s included in closing costs for Florida sellers, so you can plan ahead and avoid surprises.
📦 What Are Closing Costs?
Closing costs are the fees and expenses due at the final stage of a real estate transaction, separate from the home’s sale price.
For sellers, this often includes:
- Realtor commissions
- Title company fees
- State and county transfer taxes
- Attorney fees (if applicable)
- HOA fees or prorated dues
- Repairs or credits negotiated during the sale
📊 Typical Seller Closing Costs in Florida
Here’s a breakdown of the most common costs sellers in Florida (including Palm Coast) should expect:
1. Real Estate Commission
- Usually 5–6% of the final sale price (negotiable)
- Split between the listing agent and the buyer’s agent
- Example: On a $500,000 sale, expect $25,000–$30,000 in commission
2. Title & Closing Fees
- Title search, settlement, and courier fees
- Typically $500–$1,500, depending on title company
- In most parts of Florida, the seller pays for title insurance
3. Doc Stamps on the Deed
- Florida charges $0.70 per $100 of the sale price (Flagler County rate)
- Example: A $400,000 home = $2,800 in documentary stamp tax
4. HOA Estoppel & Prorated Dues
If your home is in an HOA, you'll likely owe:
- An estoppel certificate fee (about $250–$500)
- Prorated HOA dues through the closing date
5. Repairs or Buyer Credits
If issues arise during inspection, you may agree to:
- Make repairs
- Offer a credit at closing (negotiable)
🔎 Are Closing Costs Negotiable?
Some are. You may negotiate:
- Buyer or seller payment of certain fees
- Repairs vs. credits
- Commission rates (depending on your agent agreement)
At The Goellner Team, we work to maximize your net profit, not just your gross sale price.
💡 Seller Tip
Request a Seller Net Sheet before listing so you know:
- Your estimated proceeds
- What fees apply to your specific sale
- How to prepare financially for your next move
We provide this to every Goellner Team client—no surprises at the closing table.
✅ Florida-Specific Notes
- No state income tax in Florida = no capital gains tax at closing
- Most sellers receive wire transfer or check within 24–48 hours after closing
- Title companies typically handle closings (not attorneys)
🎯 Let’s Talk About Your Bottom Line
Whether you’re upsizing, downsizing, or moving out of state, we’ll guide you every step of the way—from prepping your home to understanding exactly what you'll net.
📧 [email protected]
📧 [email protected]
📍 Coastal Gateway Real Estate Group | Palm Coast, FL
🔜 Coming Next Week
Your Florida Home Value & Property Taxes – What to Know Before Selling
We’ll explain how your assessed value, exemptions, and taxes impact your sale—and what buyers need to know too.
