Selling your house in Miami? Between title fees, agent commissions, and transfer taxes, closing costs can quickly eat away at your profit—especially if you’re trying to sell fast or as-is.
But here’s the good news: you can sell your Miami home without paying most of these costs. Let’s break down exactly what’s included, who typically pays for what, and how a local cash home buyer like Sunshine State Buyers can help you walk away with more money in your pocket.
💸 What Are Closing Costs When Selling a House in Miami?
Closing costs are all the fees and expenses that come with finalizing the sale of your home.
In Miami (and throughout Florida), these typically include:
- Title search & title insurance: Protects the buyer (and sometimes the seller) from ownership disputes.
- Documentary stamp taxes: A state tax on the transfer of real estate.
- Recording fees: Paid to the county to record the deed transfer.
- Property taxes & prorations: Any unpaid taxes up to the closing date.
- Attorney or escrow fees: Paid to the title company or attorney handling the closing.
- Real estate agent commissions: Usually 5–6% of the sale price.
💰 Average total closing costs for Miami home sellers: between 6% and 10% of your sale price once commissions are factored in.
🧾 Example Breakdown: Traditional Sale vs. Cash Sale
| Expense | Traditional Sale (Listed) | Cash Sale (Sunshine State Buyers) |
|---|---|---|
| Agent Commission | 5–6% | ❌ $0 |
| Title Fees | $1,000–$2,000 | ✅ Covered by Buyer |
| Repairs/Inspections | $3,000–$15,000+ | ❌ $0 (We Buy As-Is) |
| Staging & Cleaning | $500–$1,500 | ❌ $0 |
| Closing Costs | $2,000–$4,000 | ✅ Covered by Buyer |
| Total Out-of-Pocket Costs | $10,000–$25,000+ | $0 |
✅ With a direct cash offer from Sunshine State Buyers, you skip the agents, repairs, and most closing costs altogether.
🕒 When Are Closing Costs Paid in Miami?
Closing costs are usually deducted at the closing table from the seller’s proceeds. That means if you sell your home for $400,000, you might only walk away with $360,000 or less after fees.
When you work with a Miami cash buyer, however, you get a clear, upfront offer—and what we agree on is what you take home. No surprise deductions.
⚖️ Who Pays Closing Costs in Miami?
Traditionally, both parties split certain costs, but in many real-world scenarios, sellers shoulder the bulk of them.
Here’s how it usually breaks down:
- Seller typically pays:
- Title insurance (owner’s policy)
- Transfer taxes
- Real estate commissions
- HOA estoppel fees (if applicable)
- Buyer typically pays:
- Title search (lender’s policy)
- Loan origination fees
- Appraisal & inspection fees
With Sunshine State Buyers, we pay for all the standard seller-side costs—including title, closing, and transfer fees—so you keep the full amount we offer.
🧰 How to Reduce or Avoid Closing Costs
If you’re selling through a real estate agent, you can:
- Negotiate a lower commission rate
- Ask the buyer to cover title insurance or escrow fees
- Avoid unnecessary upgrades and repairs before listing
But if you’re selling as-is for cash, you can skip these steps entirely:
- No realtor fees
- No closing costs
- No repairs or cleaning needed
Just a straightforward cash offer and a quick closing on your timeline—sometimes in as little as 7 days.
☀️ Why Miami Sellers Choose Sunshine State Buyers
At Sunshine State Buyers, we make selling simple:
- ✅ No commissions or closing costs
- ✅ No repairs or inspections
- ✅ Fast closings (as little as 7 days)
- ✅ Local Miami team you can trust
We handle everything—from paperwork to title fees—so you can move on stress-free.
📞 Ready to See Your Net Offer?
Prefer to skip the math and find out exactly what you’ll walk away with?
👉 Click here to fill out the form to get your free, no-obligation cash offer
We’ll handle the closing costs, paperwork, and title work—you just pick your closing date.
Or call us directly at (305) 676-9384 to talk with our friendly Miami team today.
🏁 Final Thoughts
Closing costs in Miami can be expensive, but they don’t have to be your problem.
If you’re selling fast, selling as-is, or just don’t want to deal with realtor commissions and fees, Sunshine State Buyers is your easiest option.
We buy houses across Miami, Hialeah, Kendall, Homestead, Doral, and all of South Florida—and we cover all the closing costs.
