Closing Cost Calculator for Seller in Florida

:root {
–primary-color: #004a99;
–success-color: #28a745;
–background-color: #f8f9fa;
–text-color: #333;
–light-gray: #e9ecef;
–white: #fff;
–border-radius: 5px;
}
body {
font-family: ‘Segoe UI’, Tahoma, Geneva, Verdana, sans-serif;
line-height: 1.6;
color: var(–text-color);
background-color: var(–background-color);
margin: 0;
padding: 0;
}
.container {
max-width: 1000px;
margin: 20px auto;
padding: 20px;
background-color: var(–white);
border-radius: var(–border-radius);
box-shadow: 0 2px 10px rgba(0,0,0,0.1);
display: flex;
flex-direction: column;
align-items: center;
}
header {
width: 100%;
background-color: var(–primary-color);
color: var(–white);
padding: 20px 0;
text-align: center;
border-radius: var(–border-radius) var(–border-radius) 0 0;
margin-bottom: 20px;
}
header h1 {
margin: 0;
font-size: 2.2em;
font-weight: 700;
}
.calculator-section {
width: 100%;
margin-bottom: 30px;
padding: 25px;
border: 1px solid var(–light-gray);
border-radius: var(–border-radius);
background-color: var(–white);
}
.calculator-section h2 {
color: var(–primary-color);
text-align: center;
margin-top: 0;
margin-bottom: 25px;
font-size: 1.8em;
}
.input-group {
margin-bottom: 20px;
width: 100%;
display: flex;
flex-direction: column;
align-items: flex-start;
}
.input-group label {
display: block;
margin-bottom: 8px;
font-weight: 600;
color: var(–primary-color);
}
.input-group input[type=”number”],
.input-group input[type=”text”],
.input-group select {
width: calc(100% – 20px);
padding: 12px 10px;
border: 1px solid var(–light-gray);
border-radius: var(–border-radius);
box-sizing: border-box;
font-size: 1em;
}
.input-group input[type=”number”]:focus,
.input-group select:focus {
outline: none;
border-color: var(–primary-color);
box-shadow: 0 0 0 3px rgba(0, 74, 153, 0.2);
}
.input-group .helper-text {
font-size: 0.85em;
color: #6c757d;
margin-top: 5px;
display: block;
}
.input-group .error-message {
color: red;
font-size: 0.8em;
margin-top: 5px;
display: none; /* Hidden by default */
}
.button-group {
text-align: center;
margin-top: 25px;
display: flex;
justify-content: center;
gap: 15px;
flex-wrap: wrap;
}
.button-group button {
padding: 12px 25px;
border: none;
border-radius: var(–border-radius);
cursor: pointer;
font-size: 1em;
font-weight: 600;
transition: background-color 0.3s ease, transform 0.2s ease;
}
.button-group button.calculate-btn {
background-color: var(–primary-color);
color: var(–white);
}
.button-group button.calculate-btn:hover {
background-color: #003366;
transform: translateY(-2px);
}
.button-group button.reset-btn {
background-color: var(–light-gray);
color: var(–text-color);
}
.button-group button.reset-btn:hover {
background-color: #d3d9df;
transform: translateY(-2px);
}
.button-group button.copy-btn {
background-color: var(–success-color);
color: var(–white);
}
.button-group button.copy-btn:hover {
background-color: #218838;
transform: translateY(-2px);
}
#results-container {
width: 100%;
margin-top: 30px;
padding: 25px;
border: 1px solid var(–light-gray);
border-radius: var(–border-radius);
background-color: var(–white);
}
#results-container h2 {
color: var(–primary-color);
text-align: center;
margin-top: 0;
margin-bottom: 25px;
font-size: 1.8em;
}
.result-item {
margin-bottom: 15px;
padding: 15px;
border-radius: var(–border-radius);
border: 1px solid var(–light-gray);
}
.result-item.main-result {
background-color: var(–success-color);
color: var(–white);
text-align: center;
margin-bottom: 25px;
padding: 20px 15px;
}
.result-item.main-result h3 {
font-size: 2.2em;
margin: 0 0 10px 0;
font-weight: 700;
}
.result-item.main-result .label {
font-size: 1.1em;
opacity: 0.9;
}
.result-item .label {
font-weight: 600;
color: var(–primary-color);
display: block;
margin-bottom: 8px;
}
.result-item .value {
font-size: 1.5em;
font-weight: 700;
color: var(–primary-color);
}
.result-item .value.main {
color: var(–white);
font-size: 2.5em;
}
.result-item .value.sub {
color: var(–primary-color);
font-size: 1.4em;
}
.result-explanation {
font-size: 0.95em;
color: #555;
margin-top: 15px;
text-align: center;
}
canvas {
display: block;
margin: 25px auto;
max-width: 100%;
border: 1px solid var(–light-gray);
border-radius: var(–border-radius);
}
table {
width: 100%;
border-collapse: collapse;
margin-top: 25px;
box-shadow: 0 2px 5px rgba(0,0,0,0.05);
}
caption {
font-size: 1.2em;
font-weight: 700;
color: var(–primary-color);
margin-bottom: 15px;
text-align: center;
}
th, td {
padding: 12px 15px;
text-align: left;
border: 1px solid var(–light-gray);
}
th {
background-color: var(–primary-color);
color: var(–white);
font-weight: 700;
}
tr:nth-child(even) {
background-color: var(–light-gray);
}
.article-section {
margin-top: 40px;
padding: 30px;
border: 1px solid var(–light-gray);
border-radius: var(–border-radius);
background-color: var(–white);
}
.article-section h2 {
color: var(–primary-color);
text-align: left;
margin-bottom: 20px;
font-size: 2em;
border-bottom: 2px solid var(–primary-color);
padding-bottom: 10px;
}
.article-section h3 {
color: var(–primary-color);
margin-top: 30px;
margin-bottom: 15px;
font-size: 1.6em;
}
.article-section p {
margin-bottom: 15px;
text-align: justify;
}
.article-section ul, .article-section ol {
margin-bottom: 15px;
padding-left: 30px;
}
.article-section li {
margin-bottom: 8px;
}
.article-section strong {
color: var(–primary-color);
}
.faq-item {
border-bottom: 1px dashed var(–light-gray);
padding-bottom: 15px;
margin-bottom: 15px;
}
.faq-item:last-child {
border-bottom: none;
margin-bottom: 0;
}
.faq-item h3 {
margin-bottom: 10px;
font-size: 1.2em;
cursor: pointer;
color: var(–primary-color);
}
.faq-item p {
display: none;
margin-top: 10px;
color: #555;
text-align: left;
}
.faq-item.active h3 {
margin-bottom: 5px;
}
.faq-item.active p {
display: block;
}
.internal-links {
margin-top: 30px;
padding: 25px;
border: 1px solid var(–light-gray);
border-radius: var(–border-radius);
background-color: var(–white);
}
.internal-links h2 {
color: var(–primary-color);
text-align: center;
margin-top: 0;
margin-bottom: 25px;
font-size: 1.8em;
}
.internal-links ul {
list-style: none;
padding: 0;
display: flex;
flex-wrap: wrap;
justify-content: center;
gap: 15px;
}
.internal-links li {
background-color: var(–primary-color);
padding: 10px 18px;
border-radius: var(–border-radius);
transition: background-color 0.3s ease, transform 0.2s ease;
}
.internal-links a {
color: var(–white);
text-decoration: none;
font-weight: 600;
font-size: 1.1em;
}
.internal-links li:hover {
background-color: #003366;
transform: translateY(-2px);
}
.mobile-nav-toggle, .desktop-nav-toggle { display: none; } /* Hidden for single column */
@media (max-width: 768px) {
.container {
margin: 10px;
padding: 15px;
}
header h1 {
font-size: 1.8em;
}
.calculator-section, #results-container, .article-section, .internal-links {
padding: 20px 15px;
}
.calculator-section h2, #results-container h2, .article-section h2, .internal-links h2 {
font-size: 1.6em;
}
.input-group label { font-size: 0.95em; }
.input-group input, .input-group select { padding: 10px 8px; }
.button-group {
flex-direction: column;
gap: 10px;
}
.button-group button { width: 100%; }
.result-item.main-result h3 { font-size: 1.8em; }
.result-item .value { font-size: 1.3em; }
.result-item .value.main { font-size: 2em; }
th, td { padding: 10px 8px; font-size: 0.9em; }
caption { font-size: 1.1em; }
.article-section h3 { font-size: 1.4em; }
.faq-item h3 { font-size: 1.1em; }
}

Estimate your selling expenses in Florida accurately.

Seller Closing Costs Estimator

Estimated Closing Costs

Breakdown of Estimated Seller Closing Costs

Cost Category	Estimated Amount	Calculation Basis
Real Estate Commissions	$0.00	Sale Price * Commission Rate
Owner’s Title Insurance	$0.00	Estimated Fee
HOA Transfer Fee	$0.00	Input Fee
Florida Doc Stamp Taxes (Deed)	$0.00	Sale Price * 0.70 / 100 (rounded)
Florida Intangible Tax	$0.00	Input Fee
Title Company Closing Fee	$0.00	Input Fee
Survey Fee	$0.00	Input Fee
Estimated Repair Costs	$0.00	Input Cost
Other Miscellaneous Fees	$0.00	Input Fee
Total Estimated Seller Closing Costs	$0.00	Sum of all above items

What is a Florida Seller Closing Cost Calculator?

A Florida Seller Closing Cost Calculator is a specialized financial tool designed to estimate the total expenses a property owner in Florida will incur when selling their real estate. Selling a home involves numerous fees and charges that are typically paid by the seller at the closing table. This calculator simplifies the process of understanding these costs by allowing users to input key details about their sale, such as the property’s sale price, commission rates, and various taxes and fees specific to Florida. By providing these inputs, sellers can gain a clearer financial picture of their net proceeds from the sale and budget accordingly. It helps demystify what can often be a complex and overwhelming part of the real estate transaction process for many individuals.

This tool is particularly invaluable for anyone looking to sell property in Florida, including individual homeowners, real estate investors, and even agents who wish to provide quick estimates to their clients. It serves as a preliminary guide, helping sellers set realistic expectations about the amount of money they will walk away with after all obligations are met. Understanding these costs upfront can prevent surprises and facilitate smoother negotiations throughout the selling journey. This closing cost calculator for seller in florida is an essential resource for anyone navigating the Sunshine State’s property market.

Who Should Use This Calculator?

• Homeowners Selling in Florida: Whether it’s your primary residence or a vacation home, this calculator helps you estimate your net proceeds.
• Real Estate Investors: If you’re flipping houses or selling investment properties in Florida, accurately projecting closing costs is crucial for profitability analysis.
• FSBO (For Sale By Owner) Sellers: Even if you’re not using an agent, you’ll still have closing costs. This calculator helps you identify them.
• Real Estate Agents: Use this tool to provide quick, preliminary estimates to potential sellers, enhancing your client service.

Common Misconceptions about Seller Closing Costs

• “All costs are negotiable.” While some fees might have flexibility (like agent commissions), others, such as state-mandated taxes and title insurance, are generally fixed or have set rates.
• “The buyer pays all closing costs.” This is a common myth. Sellers are responsible for a significant portion of closing costs, including commissions, transfer taxes, and often certain title fees.
• “My agent will handle everything, so I don’t need to worry about costs.” Your agent facilitates the process, but you are ultimately responsible for understanding and paying your closing expenses.
• “Closing costs are a fixed percentage.” While there are averages, closing costs can vary widely based on the sale price, specific Florida county, negotiated terms, and the services required.

Florida Seller Closing Cost Calculator Formula and Mathematical Explanation

The total estimated seller closing costs are calculated by summing up various individual cost components. Each component has its own basis for calculation, some of which are percentage-based on the sale price, while others are flat fees or estimates.

Core Formula:

Total Seller Closing Costs = Commissions + Title Insurance + HOA Transfer Fee + Florida Taxes & Fees + Title Company Fee + Survey Fee + Repair Costs + Other Fees

Variable Explanations:

Let’s break down each component and its typical calculation:

Variable	Meaning	Unit	Typical Range/Calculation Basis
Sale Price (SP)	The final agreed-upon price for the property.	USD ($)	e.g., $300,000 – $1,000,000+
Commission Rate (CR)	The percentage paid to the real estate agents (listing and buyer’s).	Percentage (%)	Typically 5% – 7%
Commissions	Total commission paid to agents.	USD ($)	SP * (CR / 100)
Owner’s Title Insurance Fee (OTIF)	Cost for the title insurance policy protecting the buyer (seller often pays).	USD ($)	Based on state rate tables, often around $5.50 per $1000 of SP, with a minimum fee. Input estimate.
HOA Transfer Fee	Fee charged by the Homeowners Association for processing the sale.	USD ($)	Input estimate, e.g., $100 – $500
Florida Doc Stamp Taxes (Deed)	State tax on the deed transfer.	USD ($)	$0.70 per $100 of SP (round SP up to nearest $100 first). Calculation: (CEILING(SP / 100) * 0.70) * 100 (if SP is not already rounded up for calc) OR more simply SP * 0.007
Florida Intangible Tax	Tax on mortgage notes, typically only if assumed by buyer.	USD ($)	$0.002 on $1 of mortgage debt (if applicable). Often $0 for sellers. Input estimate.
Title Company Closing Fee (TCCF)	Fee for the title company’s administrative and closing services.	USD ($)	Input estimate, e.g., $500 – $1,000
Survey Fee (SF)	Cost for a property survey if required.	USD ($)	Input estimate, e.g., $300 – $700
Repair Costs (RC)	Costs for any repairs agreed upon in the sales contract.	USD ($)	Input estimate
Other Fees (OF)	Miscellaneous costs like courier, recording fees, etc.	USD ($)	Input estimate, e.g., $100 – $500
Total Seller Closing Costs (TSCC)	Sum of all estimated seller expenses.	USD ($)	Commissions + OTIF + HOA + Doc Stamp + Intangible Tax + TCCF + SF + RC + OF

The calculator uses these formulas to compute individual cost categories and then sums them for the total estimated Florida seller closing costs.

Practical Examples of Florida Seller Closing Costs

Understanding how the calculator works is best illustrated with real-world scenarios. Here are two detailed examples:

Example 1: Selling a Standard Single-Family Home

Sarah is selling her home in Orlando for $450,000. She has agreed to a 6% commission with her real estate agent. The estimated owner’s title insurance is $2,475. There’s an HOA transfer fee of $250. She needs to pay Florida Doc Stamp Taxes and estimates title company fees at $750, survey costs at $500, and other miscellaneous fees at $200. No significant repairs are needed.

• Sale Price: $450,000
• Commission Rate: 6%
• Owner’s Title Insurance: $2,475
• HOA Transfer Fee: $250
• Florida Doc Stamp Taxes: ($450,000 / 100) * $0.70 = $4,500 * $0.70 = $3,150
• Intangible Tax: $0 (assuming no mortgage assumption)
• Title Company Closing Fee: $750
• Survey Fee: $500
• Repair Costs: $0
• Other Fees: $200

Calculated Results:

• Commissions: $450,000 * 0.06 = $27,000
• Total Taxes & Fees (Doc Stamp + HOA): $3,150 + $250 = $3,400
• Other Expenses (Title Ins + Title Co + Survey + Other): $2,475 + $750 + $500 + $200 = $3,925
• Total Estimated Seller Closing Costs: $27,000 + $3,400 + $3,925 = $34,325

Financial Interpretation: Sarah can expect to pay approximately $34,325 in closing costs. This means her net proceeds before considering the mortgage payoff would be $450,000 – $34,325 = $415,675. This figure helps her understand how much equity she’ll realize from the sale.

Example 2: Selling a Condo with Buyer-Paid Closing Costs (and Seller Concessions)

Mark is selling his Miami condo for $600,000. His agent’s commission is 5%. The owner’s title insurance is estimated at $3,300. The condo association charges a $400 transfer fee. Florida Doc Stamp Taxes are calculated as ($600,000 / 100) * $0.70 = $4,200. Mark has agreed to cover $5,000 of the buyer’s closing costs as a concession. His title company fees are $900, and other miscellaneous fees are $300.

• Sale Price: $600,000
• Commission Rate: 5%
• Owner’s Title Insurance: $3,300
• HOA Transfer Fee: $400
• Florida Doc Stamp Taxes: $4,200
• Intangible Tax: $0
• Title Company Closing Fee: $900
• Seller Concessions (Buyer’s Costs): $5,000
• Other Fees: $300

Calculated Results:

• Commissions: $600,000 * 0.05 = $30,000
• Total Taxes & Fees (Doc Stamp + HOA): $4,200 + $400 = $4,600
• Other Expenses (Title Ins + Title Co + Other + Concessions): $3,300 + $900 + $300 + $5,000 = $9,500
• Total Estimated Seller Closing Costs: $30,000 + $4,600 + $9,500 = $44,100

Financial Interpretation: Mark’s closing costs are higher due to the seller concession. His total estimated expenses are $44,100. This impacts his net proceeds significantly, reducing them by an additional $5,000 compared to a scenario without concessions. Sellers need to carefully consider the financial implications of any concessions offered to buyers.

How to Use This Florida Seller Closing Cost Calculator

Using this closing cost calculator for seller in Florida is straightforward. Follow these simple steps to get your estimated closing cost breakdown:

1. Enter Property Sale Price: Input the final agreed-upon selling price of your Florida property. This is the most crucial figure as many costs are calculated as a percentage of this amount.
2. Select Commission Rate: Choose the total commission percentage you and your agent have agreed upon. Common rates are 5%, 6%, or 7%.
3. Input Title Insurance Estimate: Provide your best estimate for the owner’s title insurance premium. You can get this from your title company or use typical Florida rates as a reference (often around $5.50 per $1,000 of sale price, with a minimum).
4. Add HOA Transfer Fee (If Applicable): If your property is part of a Homeowners Association, enter the fee charged for transferring ownership. Check your HOA documents or management company for this amount.
5. Input Florida Doc Stamp Taxes: The calculator can compute this based on the sale price ($0.70 per $100 of sale price). Ensure the calculator uses the correct sale price input.
6. Enter Intangible Tax (If Applicable): This tax is rare for sellers but might apply if a mortgage is being assumed. Enter ‘0’ if unsure or not applicable.
7. Estimate Title Company Fees: Enter the fee charged by the title company or closing attorney for their services in handling the closing process.
8. Add Survey Fee (If Required): If a new survey is needed for the sale, input its estimated cost.
9. Enter Estimated Repair Costs: If you’ve agreed to make repairs, input the total estimated cost here.
10. Include Other Miscellaneous Fees: Add any other anticipated costs, such as courier fees, recording fees for lien releases, etc.
11. Click “Calculate Costs”: Once all relevant fields are filled, click the button.

Reading Your Results:

The calculator will display:

• Total Estimated Seller Closing Costs: This is the primary, highlighted result, showing the sum of all estimated expenses.
• Key Intermediate Values: You’ll see breakdowns for Real Estate Commissions, Florida Taxes & Fees, and Other Closing Expenses.
• Detailed Table: A table provides a line-item breakdown of each cost category, its estimated amount, and the basis for its calculation.
• Dynamic Chart: A visual representation (bar chart) shows the proportion of each cost category contributing to the total.

Decision-Making Guidance:

Use these results to:

• Estimate Net Proceeds: Subtract your total estimated closing costs from the sale price (and then subtract any outstanding mortgage balance) to determine your potential profit.
• Negotiate Effectively: Having a clear understanding of your costs allows for more informed negotiations regarding sale price and potential seller concessions.
• Budget Appropriately: Ensure you have sufficient funds available to cover these expenses at closing.

Remember, this is an estimate. Always consult with your real estate agent and closing agent for the most accurate figures related to your specific Florida property sale.

Key Factors That Affect Florida Seller Closing Costs

Several factors can significantly influence the total amount you’ll pay in closing costs when selling a property in Florida. Understanding these variables allows for more accurate estimations and better financial planning.

1. Property Sale Price: This is the foundational element. Many costs, such as real estate commissions and Florida’s documentary stamp taxes on the deed, are directly calculated as a percentage of the sale price. A higher sale price naturally leads to higher dollar amounts for these items.
2. Real Estate Agent Commission Rate: While industry standards exist (typically 5-7%), the commission rate is negotiable. Even a 1% difference can amount to thousands of dollars on a high-value property. Sellers should discuss and agree upon this rate upfront with their listing agent.
3. Title Insurance and Closing Fees: The cost of title insurance is based on state-regulated rates tied to the sale price, but the specific services and fees charged by the title company or closing attorney can vary. Some companies may charge more for additional services or have different fee structures. Obtaining quotes from multiple providers can be beneficial.
4. HOA/Condo Association Fees: Properties within managed communities often have mandatory transfer fees, estoppel letter fees, or administrative charges associated with the sale. These can range from nominal to several hundred dollars and must be factored in.
5. Property Location and Specific Taxes: While Florida has statewide taxes like Doc Stamps, some counties or municipalities might have specific local fees or assessments. Also, the specific calculation for title insurance may vary slightly based on service providers.
6. Agreed-Upon Repairs and Seller Concessions: If the buyer requests repairs or you agree to contribute to their closing costs (seller concessions), these amounts must be added to your total outflow. These are direct expenses that reduce your net proceeds. Negotiating these terms carefully is vital.
7. Outstanding Mortgage Balance: While not technically a “closing cost,” paying off your existing mortgage is a significant deduction from your sale proceeds. The closing statement will detail any per diem interest, satisfaction fees, and the principal balance, all of which must be settled from the sale funds.
8. Prorated Property Taxes and HOA Dues: Depending on the closing date, you may need to pay your portion of property taxes or HOA dues up to that date. Conversely, if taxes/dues have already been paid for the year, the buyer may reimburse you for your share. This is an adjustment rather than a net cost but affects the cash flow at closing.

Careful consideration of these factors is essential for accurately estimating your seller closing costs in Florida and ensuring a financially sound transaction.

Frequently Asked Questions (FAQ)

Q1: What are the biggest closing costs for a seller in Florida?

A: Typically, the largest closing cost for a seller in Florida is the real estate agent commission, followed by Florida’s documentary stamp taxes on the deed. Title insurance and any agreed-upon seller concessions can also be significant.

Q2: Does the seller pay for title insurance in Florida?

A: Traditionally, in Florida, the seller often pays for the owner’s title insurance policy, which protects the buyer. However, this can be a point of negotiation between the buyer and seller.

Q3: How are Florida documentary stamp taxes calculated for sellers?

A: Florida documentary stamp taxes on deeds are calculated at a rate of $0.70 per $100 of the sale price. The sale price is typically rounded up to the nearest $100 before applying the tax. For example, on a $400,000 sale, the tax would be ($400,000 / 100) * $0.70 = $2,800.

Q4: Are seller concessions part of closing costs?

A: Yes, seller concessions are costs the seller agrees to pay, typically to help the buyer with their closing costs or other expenses. These are added to the seller’s total expenses and directly reduce the net proceeds from the sale.

Q5: What if the buyer’s agent commission is different from the listing agent commission?

A: The commission rate entered in the calculator is the *total* commission paid to both agents. This is usually split between the listing brokerage and the buyer’s brokerage according to their agreement, but the seller is responsible for the total amount.

Q6: Do I need to pay capital gains tax on my home sale in Florida?

A: Capital gains tax is separate from closing costs. However, if you sell your primary residence for more than the exclusion limits ($250,000 for single filers, $500,000 for married couples), you may owe federal capital gains tax on the profit. Closing costs can sometimes be used to reduce your taxable gain.

Q7: Can I negotiate my closing costs as a seller?

A: Some closing costs are negotiable, primarily the real estate agent commission. Other fees, like title insurance premiums and state taxes, are often set by regulation or industry standards, though specific title company service fees can sometimes be negotiated.

Q8: What happens if my repairs cost more than estimated?

A: If your actual repair costs exceed your estimate, your total closing costs will increase, reducing your net proceeds. It’s wise to get firm quotes for agreed-upon repairs rather than just estimates where possible, or build a small buffer into your repair budget.

function calculateClosingCosts() {
var salePrice = parseFloat(document.getElementById(“salePrice”).value);
var commissionRate = parseFloat(document.getElementById(“commissionRate”).value);
var titleInsuranceFee = parseFloat(document.getElementById(“titleInsuranceFee”).value);
var hoaDues = parseFloat(document.getElementById(“hoaDues”).value);
var docStampTaxesInput = parseFloat(document.getElementById(“docStampTaxes”).value);
var intangibleTax = parseFloat(document.getElementById(“intangibleTax”).value);
var titleCompanyFee = parseFloat(document.getElementById(“titleCompanyFee”).value);
var surveyFee = parseFloat(document.getElementById(“surveyFee”).value);
var repairs = parseFloat(document.getElementById(“repairs”).value);
var otherCosts = parseFloat(document.getElementById(“otherCosts”).value);

var errors = false;

// Validate inputs
if (isNaN(salePrice) || salePrice <= 0) {
document.getElementById("salePriceError").innerText = "Please enter a valid sale price.";
document.getElementById("salePriceError").style.display = "block";
errors = true;
} else {
document.getElementById("salePriceError").style.display = "none";
}

if (isNaN(titleInsuranceFee) || titleInsuranceFee < 0) {
document.getElementById("titleInsuranceFeeError").innerText = "Please enter a valid title insurance fee.";
document.getElementById("titleInsuranceFeeError").style.display = "block";
errors = true;
} else {
document.getElementById("titleInsuranceFeeError").style.display = "none";
}

if (isNaN(hoaDues) || hoaDues < 0) {
document.getElementById("hoaDuesError").innerText = "Please enter a valid HOA fee.";
document.getElementById("hoaDuesError").style.display = "block";
errors = true;
} else {
document.getElementById("hoaDuesError").style.display = "none";
}

// Florida Doc Stamp Tax Calculation (based on input, but can be auto-calculated)
// For calculation based on Sale Price:
var calculatedDocStampTaxes = Math.ceil(salePrice / 100) * 0.70; // $0.70 per $100, rounded up
// Use user input if provided, otherwise use calculated
var finalDocStampTaxes = isNaN(docStampTaxesInput) || docStampTaxesInput < 0 ? calculatedDocStampTaxes : docStampTaxesInput;

if (isNaN(finalDocStampTaxes) || finalDocStampTaxes < 0) {
document.getElementById("docStampTaxesError").innerText = "Please enter a valid Doc Stamp Tax amount.";
document.getElementById("docStampTaxesError").style.display = "block";
errors = true;
} else {
document.getElementById("docStampTaxesError").style.display = "none";
}

if (isNaN(intangibleTax) || intangibleTax < 0) {
document.getElementById("intangibleTaxError").innerText = "Please enter a valid intangible tax amount.";
document.getElementById("intangibleTaxError").style.display = "block";
errors = true;
} else {
document.getElementById("intangibleTaxError").style.display = "none";
}

if (isNaN(titleCompanyFee) || titleCompanyFee < 0) {
document.getElementById("titleCompanyFeeError").innerText = "Please enter a valid title company fee.";
document.getElementById("titleCompanyFeeError").style.display = "block";
errors = true;
} else {
document.getElementById("titleCompanyFeeError").style.display = "none";
}
if (isNaN(surveyFee) || surveyFee < 0) {
document.getElementById("surveyFeeError").innerText = "Please enter a valid survey fee.";
document.getElementById("surveyFeeError").style.display = "block";
errors = true;
} else {
document.getElementById("surveyFeeError").style.display = "none";
}

if (isNaN(repairs) || repairs < 0) {
document.getElementById("repairsError").innerText = "Please enter a valid repair cost.";
document.getElementById("repairsError").style.display = "block";
errors = true;
} else {
document.getElementById("repairsError").style.display = "none";
}

if (isNaN(otherCosts) || otherCosts 0) {
nonZeroData.push(value);
nonZeroLabels.push(labels[index]);
nonZeroColors.push(colors[index]);
}
});

// If all data is zero, show a default state or message
if (nonZeroData.length === 0) {
nonZeroData.push(1); // Small placeholder value
nonZeroLabels.push(‘No Costs’);
nonZeroColors.push(‘#ccc’);
}

closingCostsChartInstance = new Chart(ctx, {
type: ‘bar’,
data: {
labels: nonZeroLabels,
datasets: [{
label: ‘Estimated Cost ($)’,
data: nonZeroData,
backgroundColor: nonZeroColors,
borderColor: ‘#ffffff’,
borderWidth: 1
}]
},
options: {
responsive: true,
maintainAspectRatio: false,
plugins: {
legend: {
display: true,
position: ‘top’,
},
title: {
display: true,
text: ‘Breakdown of Estimated Seller Closing Costs’,
font: {
size: 16
}
}
},
scales: {
y: {
beginAtZero: true,
title: {
display: true,
text: ‘Amount ($)’
}
}
}
}
});
}

function resetForm() {
document.getElementById(“salePrice”).value = “”;
document.getElementById(“commissionRate”).value = “6”;
document.getElementById(“titleInsuranceFee”).value = “”;
document.getElementById(“hoaDues”).value = “”;
document.getElementById(“docStampTaxes”).value = “”;
document.getElementById(“intangibleTax”).value = “”;
document.getElementById(“titleCompanyFee”).value = “”;
document.getElementById(“surveyFee”).value = “”;
document.getElementById(“repairs”).value = “”;
document.getElementById(“otherCosts”).value = “”;

// Clear error messages
var errorSpans = document.querySelectorAll(‘.error-message’);
for (var i = 0; i < errorSpans.length; i++) {
errorSpans[i].style.display = 'none';
errorSpans[i].innerText = '';
}

// Reset results
document.getElementById("totalCosts").innerText = "$0.00";
document.getElementById("commissionTotal").innerText = "$0.00";
document.getElementById("taxesAndFeesTotal").innerText = "$0.00";
document.getElementById("otherExpensesTotal").innerText = "$0.00";
clearTable();
if (closingCostsChartInstance) {
closingCostsChartInstance.destroy();
closingCostsChartInstance = null;
}
// Optionally redraw chart with zeros or clear it
var ctx = document.getElementById('closingCostsChart').getContext('2d');
ctx.clearRect(0, 0, ctx.canvas.width, ctx.canvas.height);
}

function copyResults() {
var totalCosts = document.getElementById("totalCosts").innerText;
var commissionTotal = document.getElementById("commissionTotal").innerText;
var taxesAndFeesTotal = document.getElementById("taxesAndFeesTotal").innerText;
var otherExpensesTotal = document.getElementById("otherExpensesTotal").innerText;

var salePrice = document.getElementById("salePrice").value || "N/A";
var commissionRate = document.getElementById("commissionRate").value + "%" || "N/A";
var titleInsuranceFee = document.getElementById("titleInsuranceFee").value || "N/A";
var hoaDues = document.getElementById("hoaDues").value || "N/A";
var docStampTaxes = document.getElementById("docStampTaxes").value || "N/A";
var intangibleTax = document.getElementById("intangibleTax").value || "N/A";
var titleCompanyFee = document.getElementById("titleCompanyFee").value || "N/A";
var surveyFee = document.getElementById("surveyFee").value || "N/A";
var repairs = document.getElementById("repairs").value || "N/A";
var otherCosts = document.getElementById("otherCosts").value || "N/A";

var copyText = "— Florida Seller Closing Cost Estimate —\n\n";
copyText += "Key Inputs:\n";
copyText += " Property Sale Price: " + salePrice + "\n";
copyText += " Commission Rate: " + commissionRate + "\n";
copyText += " Owner's Title Insurance: " + titleInsuranceFee + "\n";
copyText += " HOA Transfer Fee: " + hoaDues + "\n";
copyText += " Florida Doc Stamp Taxes: " + docStampTaxes + "\n";
copyText += " Intangible Tax: " + intangibleTax + "\n";
copyText += " Title Company Fee: " + titleCompanyFee + "\n";
copyText += " Survey Fee: " + surveyFee + "\n";
copyText += " Estimated Repair Costs: " + repairs + "\n";
copyText += " Other Miscellaneous Fees: " + otherCosts + "\n\n";

copyText += "Estimated Closing Costs:\n";
copyText += " Total Estimated Seller Closing Costs: " + totalCosts + "\n";
copyText += " Real Estate Commissions: " + commissionTotal + "\n";
copyText += " Florida Taxes & Fees: " + taxesAndFeesTotal + "\n";
copyText += " Other Closing Expenses: " + otherExpensesTotal + "\n\n";
copyText += "Note: This is an estimate. Actual costs may vary. Consult your real estate agent or closing agent.";

var textArea = document.createElement("textarea");
textArea.value = copyText;
textArea.style.position = "fixed";
textArea.style.left = "-9999px";
document.body.appendChild(textArea);
textArea.focus();
textArea.select();

try {
var successful = document.execCommand('copy');
var msg = successful ? 'Results copied!' : 'Failed to copy results.';
console.log(msg);
// Optionally show a temporary confirmation message to the user
var confirmation = document.createElement('div');
confirmation.innerText = msg;
confirmation.style.cssText = 'position: fixed; top: 50%; left: 50%; transform: translate(-50%, -50%); background-color: var(–success-color); color: white; padding: 15px; border-radius: 5px; z-index: 1000;';
document.body.appendChild(confirmation);
setTimeout(function(){ document.body.removeChild(confirmation); }, 2000);
} catch (err) {
console.error('Fallback: Oops, unable to copy', err);
}

document.body.removeChild(textArea);
}

function toggleFaq(element) {
var faqItem = element.closest('.faq-item');
faqItem.classList.toggle('active');
}

// Initial calculation on page load if inputs have default values
document.addEventListener('DOMContentLoaded', function() {
// Set default values for commission rate if not already set by browser
if (!document.getElementById("commissionRate").value) {
document.getElementById("commissionRate").value = "6";
}
// Trigger initial calculation if default values are set and meaningful
var salePriceInput = document.getElementById("salePrice");
if (salePriceInput.value) {
calculateClosingCosts();
} else {
// If no default sale price, initialize chart with zeros
updateChart([0,0,0,0,0,0,0,0], 0);
}
});

// Re-calculate on input changes for real-time updates
var inputs = document.querySelectorAll('#calculator-form input, #calculator-form select');
for (var i = 0; i < inputs.length; i++) {
inputs[i].addEventListener('input', calculateClosingCosts);
}