What do you want to calculate?
Enter purchase price, down payment, and closing cost details to see your total cash to close. Closing costs are separate from down payment.
Property & Loan
Typical: 20% conventional, 25% investment. Down payment is separate from closing costs.
Auto-calculated as Price − Down Payment. Override only if your loan differs.
Closing Cost Components
Applied to the loan amount. Common: 0.5%–1% for conventional loans.
1 point = 1% of loan amount. Reduces rate but increases upfront cost.
Varies significantly by state and county.
Upfront property taxes and homeowner's insurance. Often 2–6 months prepaid at closing.
Credits & Adjustments
Reduces closing costs. Lenders typically cap credits at 3%–6% of price depending on loan type.
Important Notes
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How to Use the Florida Closing Costs Calculator
This calculator estimates buyer closing costs for a Florida property purchase. Florida closing costs typically run 2-5% of the purchase price for buyers. Several Florida-specific factors — including documentary stamp tax and intangible tax — affect your total.
- Enter the purchase price and loan details.
- Review line items — lender fees, title costs, survey, inspections, prepaids, and escrow reserves.
- Adjust any estimates — every field can be changed to match your actual quotes.
- Check total cash required — down payment + all closing costs.
Florida Closing Cost Details
Documentary Stamp Tax ($0.70 per $100)
Florida charges a documentary stamp tax (doc stamps) on deeds at $0.70 per $100 of the sale price. On a $350,000 purchase, that is $2,450. In Miami-Dade County the rate is $0.60 per $100. Doc stamps on the deed are customarily paid by the seller, but this is negotiable. The buyer pays doc stamps on the mortgage note at $0.35 per $100 of the loan amount.
Intangible Tax on Mortgages (0.2%)
Florida levies a one-time intangible tax of 0.2% (2 mills) on new mortgage obligations. On a $280,000 loan, the intangible tax is $560. This is a buyer cost paid at closing.
Title Insurance
Florida title insurance rates are promulgated (set by the state). The seller customarily pays for the owner title policy in most Florida counties. However, in Miami-Dade, Broward, Sarasota, Collier, and a few other counties, the buyer pays for title insurance and selects the closing agent. The buyer always pays for the lender title policy.
Title Company or Attorney
Florida allows closings to be handled by either a title company or a real estate attorney. Attorney closings are common but not required. Costs are generally comparable.
Escrow Reserves (2-3 months)
Lenders typically require 2-3 months of property taxes and insurance deposited into escrow at closing. With Florida property tax averaging 0.86% and homeowner's insurance averaging $4,200/yr (higher in coastal areas), this can add $2,500-$5,000 to your cash required at closing.
Recording Fees ($10 per page)
Florida recording fees are $10.00 for the first page and $8.50 for each additional page of recorded documents. Typical total recording costs run $150-$400.
Example: Florida Purchase at $350,000
| Purchase Price | $350,000 |
| Down Payment (20%) | $70,000 |
| Loan Amount | $280,000 |
| Lender Origination (0.5%) | $1,400 |
| Appraisal | $550 |
| Inspection | $450 |
| Lender Title Policy | $425 |
| Doc Stamps on Mortgage ($0.35/$100) | $980 |
| Intangible Tax (0.2% of loan) | $560 |
| Recording Fees | $250 |
| Credit Report | $50 |
| Escrow Reserves (3 mo tax + ins) | $2,800 |
| Prepaid Interest (15 days) | $810 |
| Doc Stamps on Deed ($0.70/$100) | $2,450 (seller pays) |
| Total Buyer Closing Costs | $8,275 |
| As % of Purchase Price | 2.4% |
| Cash Required at Closing | $78,275 |
Hypothetical example. Actual costs vary by lender, county, and deal terms. Doc stamps on deed customarily paid by seller in most FL counties.
Sources
- Title insurance rates: Florida Office of Insurance Regulation (OIR)
- Documentary stamp tax & intangible tax: Florida Department of Revenue
- Recording fees: County clerk offices
- Tax and insurance averages: Florida Department of Revenue, NAIC
Last reviewed: July 2026.
Related
FAQ
Does Florida have a transfer tax?
Who pays title insurance in Florida?
Do I need an attorney for closing in Florida?
What are typical buyer closing costs in Florida?
Disclaimer: Estimates only. Actual closing costs vary by lender, county, and deal terms. Not financial or legal advice.