What will you actually net after selling your home in Southwest Florida in 2026?
Your net proceeds are the final amount you receive after commissions, taxes, closing costs, concessions, and your mortgage payoff are deducted—and in today’s market, that number can be significantly different from your list price.

Why Your Net Proceeds Matter More Than Ever Right Now

Many sellers focus on list price.

Smart sellers focus on what they walk away with.

In today’s Southwest Florida market—across Naples, Bonita Springs, Estero, Fort Myers, and Cape Coral—inventory has increased, and buyer expectations have shifted.

That means:

• More negotiation
• More concessions
• More pressure on pricing strategy

Understanding your net before you list gives you clarity, confidence, and control.

The Simple Net Proceeds Formula

Start with your expected sale price, then subtract:

• Real estate commission
• Florida documentary stamp tax
• Title insurance
• Closing and settlement fees
• Mortgage payoff
• Seller concessions
• Repairs or prep costs
• Prorated property taxes

What remains is your true bottom line.

The Costs Most Sellers Underestimate

This is where surprises happen.

1. Documentary Stamp Tax

Florida charges $0.70 per $100 of the sale price
Example:

• $500,000 sale = $3,500
• $750,000 sale = $5,250

This is a seller-paid cost.

2. Title Insurance (Seller Paid in Most Cases)

Typically ranges:

• ~$2,800–$3,200 on a $500K home

3. Seller Concessions (Now Common)

In today’s market:

• 1%–3% of sale price is typical
• $500K home = $5,000–$15,000 impact

4. Mortgage Payoff

Includes:

• Remaining balance
• Interest
• Possible fees

Always request an official payoff—don’t estimate.

5. Pre-Listing Costs

These come out of pocket before you sell:

• Paint
• Landscaping
• Repairs
• Cleaning & staging

Example: What a Seller Might Net

Here’s a realistic snapshot:

• Sale Price: $550,000
• Total Costs (combined): ~$333,400
• Estimated Net: ~$216,600

This example shows the gap between price and profit is real—and why planning matters.

(Full breakdown available in your detailed net sheet)

How Your Location Impacts Your Net

Naples & Collier County

• Higher prices = higher taxes and title costs
• More complex HOA structures

Bonita Springs & Estero

• HOA estoppel fees vary widely
• County differences affect closing structure

Fort Myers & Cape Coral

• More competition = more concessions
• New construction influences pricing strategy

Why Online Calculators Fall Short

Most online tools:

• Use generic assumptions
• Ignore local negotiation trends
• Miss HOA, insurance, and market variables

A true net sheet includes:

✔️ Real-time local comps
✔️ Actual concession trends
✔️ Your mortgage payoff
✔️ Community-specific costs
✔️ Strategic pricing guidance

That’s the difference between a guess and a plan.

FAQ: Southwest Florida Seller Net Proceeds

How much does it cost to sell a home?

Typically 8%–12% of the sale price, depending on your situation.

Are concessions required?

Not required—but very common in today’s market.

Do I pay taxes on the sale?

You may qualify for capital gains exclusions:

• $250K (single)
• $500K (married)

Always consult a tax professional.

Your Next Step: Know Your Number Before You List

Before you decide to sell, you should know:

• What your home will realistically sell for
• What buyers will likely ask for
• What you will actually walk away with

That’s where a personalized strategy makes the difference.

Get Your Personalized Net Sheet

If you’re considering selling in the next 30–90 days, we’ll provide:

• A detailed home value analysis
• A customized net proceeds sheet
• A strategy tailored to your home and market

No pressure—just clear, honest numbers so you can make the right decision.

The Borg Group | Downing-Frye Realty

Live where life feels better™

📞 Call or Text: 239-350-4474
🌐 theborggroup.com