02/25/2026
In Central Florida, sellers typically pay about 6–9% of the sale price in total closing costs. This includes the real estate commission, state documentary stamp tax, title and closing fees, prorated property taxes, and any HOA-related fees. On a $400,000 sale, this usually comes out to approximately $26,000–$38,000, depending on commission, closing date, and whether any concessions are negotiated. Seller Closing Costs – $400,000 Example
• Real estate commission (5–6%)
→ $20,000–$24,000
• Documentary stamp tax (deed)
→ $2,800
• Owner’s title insurance (~0.5–1%)
→ $2,000–$4,000
• Title search & settlement / closing fee
→ ~$1,000–$1,800
• Property tax proration (to closing date)
→ ~$1,300–$2,700+ (depends on closing date)
• HOA / condo estoppel & transfer fees (if applicable)
→ $250–$800+
• Recording / county fees
→ ~$75–$150
• Attorney / notary / courier fees (if used)
→ $100–$1,500
• Seller concessions or buyer credits (if negotiated)
→ $4,000–$12,000 (1–3%)
Typical total seller closing costs:
→ ~$26,000–$38,000+ (including commission)