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Selling on your own

Selling a House With a Mortgage in Florida

Most Florida sellers still have a mortgage when they sell. The title company pays it off from the sale proceeds at closing, and you get what's left.

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What to know

How the payoff worksThe title company orders a payoff statement from your lender. At closing, they pay the lender directly from the sale proceeds. Any remaining funds go…
  1. The title company orders a payoff statement from your lender.
  2. At closing, they pay the lender directly from the sale proceeds.
  3. Any remaining funds go to you after closing costs.
  4. The lender releases its lien, and the buyer gets clear title.
Know your numbers firstEstimate your net: sale price minus mortgage payoff, listing fee, any buyer's agent fee, doc stamps, title, and settlement fees. The closing costs…

Estimate your net: sale price minus mortgage payoff, listing fee, any buyer's agent fee, doc stamps, title, and settlement fees. The closing costs calculator includes a payoff field.

If you owe more than it's worthThat's a short sale. The lender must approve the price and terms, which takes longer. Talk to your lender early, and consider full-service help…

That's a short sale. The lender must approve the price and terms, which takes longer. Talk to your lender early, and consider full-service help (A-Go-Go) for short sales.

Questions, answered

Can I sell my house if I still have a mortgage?Yes. The mortgage is paid off from the proceeds at closing.

Yes. The mortgage is paid off from the proceeds at closing.

Who gets the payoff statement?The title company requests it from your lender.

The title company requests it from your lender.

What if I'm underwater?You'd need lender approval for a short sale; start that conversation early.

You'd need lender approval for a short sale; start that conversation early.

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Updated October 2026. General information, not legal or tax advice.

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