Math PDF
Florida Real Estate Math Cheat Sheet
Stop guessing which formula fits. Review commission, proration, doc stamps, millage, LTV, PITI, GRM, IRV, acreage, and the traps that mix them together.
Drill mixed math with Math CoachExam math tools
Florida real estate exam calculators, built for the math that matters.
Start with readiness, then drill the calculations Florida candidates actually miss: documentary stamps, prorations, millage, commission, LTV, mortgage ratios, seller net, cap rate, GRM, appraisal adjustments, and closing math.
Calculator path
Use calculators to learn the setup, then prove it in mixed practice.
Single-topic calculators are great for learning. The next step is mixed drill, because the real Florida exam will not tell you which formula it is testing.
01ReadinessCheck if you should book, wait, or drillStart with the free readiness calculator before you spend another week guessing.Check readiness ->02SampleTry Florida-style questionsUse five exam-style questions to feel the wording, pacing, and trap answers.Try 5 questions ->03MathDrill the formulas that cost pointsMove into mixed math once you know the formulas but still miss setups.Start math drill ->04AppTurn the gap into a study plan1,002 Florida-specific questions, Math Coach, Trap Library, and offline study for $39.99 once.Get the app ->
100
questions on the Florida exam
3.5h
total Pearson VUE test time
19
official content areas
1,002
Florida-specific app questions
15 calculatorsEach calculator opens to a focused exam-math page.
Source-backed mathBuilt around DBPR topic language and Florida tax/formula rules.
Saved result emailsEach calculator can send the user their exact setup for review.
Master sheet
Email all 15 calculator formulas.
Get the printable Florida exam math sheet plus a clean study order for the calculator library.
Free study PDFs
FreeNo emailNo sign-up
Free study sheets you can download right now.
Start with the math cheat sheet, then use the wallchart, recall cards, and trap-word list when you need the full library.
Terms PDF
Florida Real Estate Exam 50 Most-Missed Terms Recall Cards
Turn fuzzy vocabulary into active recall. Each card gives you the clue, the answer check, and the trap that makes the term easy to confuse.
Test terms in Florida-specific questionsFlorida-only PDF
Florida-Only Differences From National Content
Catch the Florida-only details national prep can blur. Use this sheet before mixed practice so state-specific rules do not leak points.
Practice Florida-specific questionsPDFs plus practice
Review on paper. Drill in the app.
The study PDFs help you organize topic weights, formulas, and trap patterns. Pass Florida turns the same skills into Florida-specific reps with Math Coach, Trap Library, and Confidence Calibration.
1,002 questionsMath CoachTrap Library$39.99 once
Exam prep only. Not a substitute for the 63-hour course, DBPR steps, or Pearson VUE scheduling.
Start faster
Which calculator should you open first?
Pick the line that sounds most like your last practice miss. The goal is not to use every calculator today. It is to start with the one that fixes the next weak setup.
Closing math
I miss Florida closing math.
Start with documentary stamps, then proration, then mixed closing math.
Doc stampsProrationMixed closing
Start doc stamps →Transaction setupI mix up buyer, seller, and loan numbers.
Use LTV, mortgage ratios, seller net, and mixed closing math in that order.
LTVRatiosSeller net
Start LTV →Not sure yetI do not know what is weak yet.
Take the readiness calculator before choosing a math topic.
ReadinessWeak topicCalculator
Check readiness →Available now
Start with the current tools.
These are the current calculator entry points. The hub gives candidates an immediate action before they drill the individual exam-math topics below.
Tool
Exam readiness calculator
Five questions that estimate whether you are early, close, or ready to sit for the Florida sales associate exam.
Best first step if you are deciding whether to book Pearson VUE.
Open tool →Tool
Math formulas and quick calculators
Formula reference with worked examples, plus current calculator pages for the high-value math topics.
Best next step if math is the weak spot.
Open tool →Practice
Mixed math drill
Ten mixed Florida math questions that force you to recognize the formula before solving.
Best next step after learning formulas or using single-topic calculators.
Open tool →Calculator library
The complete calculator set now available.
Each calculator has its own focused page: tool first, formula second, Florida exam trap third, and app practice as the next step.
Question counts map to the current DBPR Candidate Information Booklet, effective January 2025. Difficulty is Pass Florida study guidance, not an official DBPR label.
Documentary stamp tax and transfer tax
Florida deed doc stamps (the state transfer tax), mortgage and note stamps, intangible tax, the Miami-Dade rate and surtax, and the round-up trap.
Open calculator →Proration
Taxes, rent, HOA dues, buyer credit, seller credit, 365-day method, and closing-day ownership.
Open calculator →Homestead exemption, millage, and property tax
A Florida homestead exemption calculator and property tax tool: assessed value, the $25,000 base and additional non-school exemptions, taxable value, millage, and school versus non-school tax.
Open calculator →Homestead exemption savings
Florida homestead savings for 2026: the $25,000 first exemption, the inflation-adjusted $26,411 additional exemption, the Save Our Homes cap, and school versus non-school.
Open calculator →Intangible tax (mortgage)
Florida nonrecurring intangible tax: 2 mills (0.002) on the mortgage amount, not the sale price, with no rounding and the loan-versus-price trap.
Open calculator →Commission split
Sale price, commission rate, cooperating broker split, agent split, fees, and realistic take-home.
Open calculator →LTV and down payment
Loan-to-value, loan amount, purchase price, down payment, and missing-variable practice.
Open calculator →Cap rate, NOI, and GRM
Investment math for income properties, including solve-for-value and solve-for-income modes.
Open calculator →Area and acreage
Square feet, acres, lots, legal description math, and irregular-shape breakdowns.
Open calculator →Mixed closing math
One exam-style worksheet that combines doc stamps, prorations, commission, tax, and loan math.
Open calculator →Seller net and required sale price
Seller proceeds, payoff, commission, deed stamps, fixed costs, percent costs, and reverse target-net problems.
Open calculator →Seller's net sheet and closing costs
Itemized Florida seller closing costs to net proceeds: commission, deed stamps, owner's title by county custom, and property tax proration.
Open calculator →Mortgage math and qualifying ratios
Loan amount, PITI, front-end ratio, back-end ratio, monthly debt, and qualifying income.
Open calculator →Profit, loss, equity, appreciation, and depreciation
Equity, cash after sale, appreciation percent, market depreciation, profit after costs, and annualized value change.
Open calculator →Comparable sales adjustment
Sales comparison approach practice: adjust the comparable, add for inferior, subtract for superior, and reconcile value.
Open calculator →Study order
How to use these calculators in your study order.
Stage 1
Florida-specific exam math
Start with documentary stamps, prorations, millage, and commission. These topics punish memorized formulas because Florida-specific setup details change the answer.
Stage 2
Finance and investment math
Move into LTV, qualifying ratios, cap rate, NOI, and GRM once the Florida closing math feels stable. These are quick wins when you can name the formula before using it.
Stage 3
Mixed scenarios
Finish with mixed closing, seller net, appraisal adjustments, and profit/equity questions. The exam will not label the topic for you, so mixed practice builds the reflex.
FAQ
Florida real estate calculator questions.
What math is on the Florida real estate exam?+
The Florida sales associate exam tests commission and broker splits, documentary stamp tax on deeds and notes, intangible tax on mortgages, proration of taxes and rent, property tax and millage, homestead exemption, loan-to-value and qualifying ratios, seller net and required sale price, cap rate, net operating income, gross rent multiplier, area and acreage, and comparable sales adjustments. Every version of the exam includes math.
Can I use a calculator on the Florida real estate exam?+
The Florida exam is built for basic arithmetic, and you bring your own calculator. Under the DBPR Candidate Information Booklet, calculators are only permitted at the test center and must be silent, handheld, battery-operated, nonprinting, and without an alphabetic keypad. Confirm the current testing-room rules before exam day, and practice with simple calculator-style arithmetic, not spreadsheet shortcuts, so your method matches the exam.
How is documentary stamp tax calculated in Florida?+
Deed documentary stamps are $0.70 per $100 of the sale price statewide, except Miami-Dade County, which charges $0.60 per $100, plus a $0.45 surtax per $100 on any transfer that is not a single-family residence. Note and mortgage stamps are $0.35 per $100 of the obligation. Always round the taxable amount up to the next $100 before applying the rate. The documentary stamp tax calculator handles each case.
What is the Florida intangible tax rate on a mortgage?+
Florida nonrecurring intangible tax is 2 mills, or 0.002, charged on the mortgage amount, not the sale price. There is no rounding. The most common exam trap is applying the rate to the purchase price instead of the loan. The intangible tax calculator isolates the loan amount so you practice the correct base.
How are property taxes prorated at a Florida closing?+
Florida closings typically prorate using a 365-day year, with the seller responsible through the day before closing unless the contract states otherwise. Count the seller's days of ownership, multiply by the daily tax amount, and credit the buyer. The proration calculator covers taxes, rent, and HOA dues using the day-count method the exam expects.
Are these Florida real estate calculators free?+
Yes. All 15 calculators are free to use, with worked formulas, the Florida exam trap for each topic, and a printable formula sheet. The Pass Florida app extends the same math into 1,002 exam-style questions with explanations and repetition across the 19-topic outline.
Sources reviewed June 25, 2026: DBPR Real Estate Sales Associate Candidate Information Booklet, Pearson VUE Florida Real Estate test-taker page, Florida Department of Revenue documentary stamp and intangible tax pages, and Florida Statutes Chapter 196 homestead exemption rules. These calculators are educational exam-prep tools, not tax, legal, or financial advice. Verify current rates with the Florida Department of Revenue and the DBPR before you rely on a figure.