← All Tools Florida Closing Cost Estimator

Your real cash to close. Florida line items and all.

Deed and mortgage doc stamps, intangible tax, promulgated title insurance rates, and the county-by-county custom of who actually pays for the owner's policy, the line items that surprise buyers at the closing table.

Estimated Cash to Close $0 ,

Down Payment

$0
Down payment to seller$0

Loan Costs

$0
Lender origination0.50% of loan$0
Underwriting & processing$0
AppraisalCoastal / complex properties run higher$0
Credit report$0

Florida Taxes & Title

$0
Doc stamps on the note$0.35 per $100 of loan$0
Intangible tax on mortgage$0.20 per $100 of loan$0
Lender's title policySimultaneous-issue rate$0
Owner's title policyFL promulgated rate$0

Settlement Services

$0
Title search & examination$0
Closing / settlement fee$0
Recording feesDeed + mortgage$0
Survey$0
HOA / condo estoppel$0

Prepaids & Escrow

$0
Homeowners + wind insurance12 months collected at closing$0
Property tax escrow~5 months reserve$0
Prepaid interest~15 days average$0

Inspections

$0
Home inspectionPaid before closing, shown for budgeting$0
Wind mitigation + 4-pointOften pays for itself in premium credits$0
Total Cash to Close $0
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What the seller customarily pays in Miami-Dade

Documentary stamp tax on the deed$0
Owner's title insurance policy$0
These are customary, not legal requirements, everything is negotiable in the contract.

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This estimate uses Florida-typical figures. A real Loan Estimate, the federal disclosure with your actual lender fees, locked within 3 days of application, is the document that matters. I'll walk you through one line by line.

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Florida Closing Cost FAQ

What's the difference between cash to close and the down payment?

The down payment is just one line item. Cash to close is the full amount you need to bring: down payment plus lender fees, Florida doc stamps and intangible tax, title insurance and settlement services, and prepaid items like insurance and escrow. On a financed deal, cash to close typically runs several thousand dollars above the down payment alone.

What are Florida documentary stamp taxes at closing?

Florida charges two separate doc stamp taxes. On the deed, it's $0.70 per $100 of purchase price in most counties, $0.60 per $100 in Miami-Dade for a single-family home. On the mortgage note, it's $0.35 per $100 of the loan amount, plus an intangible tax of $0.20 per $100. The deed stamp is customarily a seller cost; the note stamp and intangible tax fall on the buyer as the borrower.

Who pays for owner's title insurance in Florida?

It depends on the county. In most of Florida the seller customarily pays for the owner's title policy. In a handful of counties, including Miami-Dade, Broward, Collier and Sarasota, the buyer customarily pays instead. Either way this is local custom, not law, and it's fully negotiable in the purchase contract.

How is Florida's promulgated title insurance rate calculated?

Florida sets title insurance premiums by statute, the same for every title company. The rate is tiered: $5.75 per $1,000 on the first $100,000 of price, $5.00 per $1,000 on the next $900,000, then $2.50 per $1,000 above $1,000,000, stepping down further at higher price tiers. Because it's regulated, title premium shopping won't save you money, service and closing speed are where title companies actually differ.

Does paying cash avoid Florida closing costs?

A cash purchase skips every loan-related cost: no doc stamps on a note, no intangible tax, no lender origination, underwriting, appraisal or credit-report fees. On a typical deal that can mean $5,000 to $10,000 saved versus financing the same purchase. You can still borrow against the property later through a delayed-financing cash-out refinance.

Which Florida closing costs can I actually negotiate?

Doc stamps, intangible tax, and title insurance premiums are state-regulated and essentially fixed no matter which provider you use. What you can negotiate: lender origination fees, the closing or settlement fee, survey cost, and who pays owner's title insurance if your county's custom favors the seller. Compare Loan Estimates line by line on sections A and C.

What are prepaids and escrow at a Florida closing?

Prepaids cover costs due right after closing, collected upfront: typically 12 months of homeowners and wind insurance, roughly 5 months of property tax reserves in escrow, and about 15 days of prepaid interest depending on your closing date. These aren't fees, they're funds building your escrow cushion and prepaying your first insurance term.

How accurate is this estimate compared to a real Loan Estimate?

This tool uses Florida-typical figures for lender, settlement, and inspection fees, so it's built for planning ahead of an offer. Actual costs vary by lender, title agent, property, and contract terms. A real Loan Estimate is the federal disclosure with your actual fees, locked within 3 days of application, that's the document that matters once you're under contract.

Educational planning tool only. Closing costs are estimated using Florida-typical figures: documentary stamp tax rates set by Florida statute, promulgated title insurance premiums, and customary ranges for lender, settlement, and inspection fees. Actual costs vary by lender, title agent, property, contract terms, and negotiation. "Who customarily pays" reflects regional custom only, all costs are negotiable in the purchase contract. This is not a Loan Estimate, a quote, or legal/tax advice. © The Mortgage Dock · NMLS #1983384 · Coast2Coast Mortgage, LLC NMLS #376205 · Equal Housing Lender.