What You'll Pay at the Closing Table
A plain-English estimate of the fees, taxes, and prepaids that hit at closing. Uses Florida-specific rates for doc stamps, intangible tax, and owner's title insurance so the number is closer to what you'll actually pay.
Florida Closing Cost Estimator
General estimate for a Florida residential transaction. Actual closing costs depend on your lender, title company, county, and contract terms. Not a Loan Estimate.
Estimated Total
$12,253
2.72% of price
Loan origination (1% of loan)
Varies by lender and program
$3,600
Appraisal
Typical FL range $500 to $700
$600
Credit report
$75
Lender's title insurance
Simultaneous issue rate
$938
Doc stamps on note (FL $0.35 / $100)
$1,260
Intangible tax on mortgage (FL 0.2%)
$720
Recording fees
$200
Survey
$450
Home inspection
$500
HOA transfer / estoppel (if applicable)
$250
Prepaid property taxes (2 months)
Assumes ~1.1% effective FL rate
$825
Prepaid homeowners insurance
First year premium estimate
$1,800
Per-diem interest
~15 days at 7% rate
$1,036
Florida-specific items use published state rates: deed doc stamps at $0.70 per $100 (reduced in Miami-Dade), note doc stamps at $0.35 per $100, intangible tax at 0.2% of the new mortgage, and owner's title insurance at Florida promulgated rates. Your final Loan Estimate from your lender is the authoritative cost disclosure.
How Florida Closing Costs Work
Who pays what
In most Florida counties, the seller customarily pays the owner's title insurance policy and the deed doc stamps. The buyer pays the lender's title policy, the intangible tax, the note doc stamps, and most prepaid items. These are customs, not laws, and they can be negotiated in the contract.
Miami-Dade is different
Miami-Dade County applies a lower deed doc stamp rate ($0.60 per $100 instead of $0.70) but adds a surtax on non-single-family transfers. The calculator assumes single-family primary residence outside Miami-Dade.
Your Loan Estimate is the real number
Federal TRID rules require your lender to issue a written Loan Estimate within three business days of your loan application. That document is the authoritative breakdown of every fee, prepaid, and escrow item. This calculator gives you a realistic ballpark before you apply.
Seller concessions
Depending on the loan program, sellers can contribute toward buyer closing costs (usually 3% to 6% of price). This is an offer-strategy decision that can turn what looks like a high-cash-to-close loan into something you can actually afford.
Get a Full Estimate on Your Actual Deal
Send the price, target county, and loan program and Alex will walk you through the real buyer and seller side numbers before you sign anything.