Florida Closing
Costs Calculator

What this calculates

Buyer-side and seller-side closing costs for a Florida residential transaction. Defaults follow standard Florida conventions — buyer pays lender's title insurance, seller pays owner's title insurance (except in Miami-Dade and Broward, where the buyer typically pays both). Adjust the toggle if your contract is different.

The Florida-specific items

• Doc stamp tax on the deed: $0.70 per $100 of sale price. On $400K, that's $2,800. Typically paid by seller.
• Doc stamp tax on the mortgage: $0.35 per $100 of loan amount. Paid by buyer.
• Intangible tax: $0.20 per $100 of loan amount. Paid by buyer.
• Title insurance: Florida-promulgated rates, roughly $5.75 per $1,000 on the first $100K, dropping in tiers. Owner's policy typically seller-paid (except Miami-Dade/Broward); lender's policy typically buyer-paid.
• Recording fees: $25-$75 per document depending on county.

What's not in this calculator

• Prepaids. Insurance binder (first year often paid at closing), property tax escrow setup, prepaid interest from closing date to month-end. Can add $4,000-$10,000 depending on timing.
• Inspections. Buyer typically pays $300-$700 for general inspection, often more for specialty (4-point, wind mitigation, septic, well, WDO).
• Survey. Required by some lenders, $300-$600.
• HOA fees. Estoppel ($200-$500), capital contribution at transfer if applicable, prorated dues.
• Attorney fees if you use a real estate attorney (uncommon for routine residential, common for complex deals).

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