Estimated Cash to Close
$0
—
Down Payment
$0Down payment to seller$0
Loan Costs
$0Lender origination0.50% of loan$0
Underwriting & processing$0
AppraisalCoastal / complex properties run higher$0
Credit report$0
Florida Taxes & Title
$0Doc 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
$0Title search & examination$0
Closing / settlement fee$0
Recording feesDeed + mortgage$0
Survey$0
HOA / condo estoppel$0
Prepaids & Escrow
$0Homeowners + wind insurance12 months collected at closing$0
Property tax escrow~5 months reserve$0
Prepaid interest~15 days average$0
Inspections
$0Home inspectionPaid before closing — shown for budgeting$0
Wind mitigation + 4-pointOften pays for itself in premium credits$0
Total Cash to Close
$0
—
—
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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