Florida closing cost calculator (buyer and seller)

Florida taxes the deed and the mortgage and sets title insurance premiums by rule. Enter your price and loan to see the buyer's and the seller's closing costs.

Free, no sign-up Rates checked October 2026

State

Purchase price

Loan amount

Enter 0 if you are paying cash.

Who pays the owner's title policy?Set in your purchase contract; custom varies by area.

Total commission paid by the seller

Negotiable. Include the buyer's agent only if the seller agreed to pay it.

The property is in Miami-Dade County It is a single-family home (no Miami-Dade surtax)

Market fees (estimates — edit with your quotes)

Lender fees (origination, underwriting, credit report)

Appraisal

Buyer's settlement / escrow fee

Title search and other title services

Lender's title policy endorsements

Owner's title policy (ask for a quote)

Arizona insurers file their own rates; this is only a placeholder.

Lender's title policy (ask for a quote)

Recording fees

Florida: $10 for the first page and $8.50 per extra page of each document. Texas: set by the county clerk.

Inspection, survey and pest inspection

Prepaid interest, insurance and escrow deposits

Seller's settlement fee and other costs (HOA estoppel, payoff, attorney)

Seller credit to the buyer (concessions)

How it's calculated

Florida items fixed by law: documentary stamp tax on the deed at $0.70 per $100 of the price or portion thereof (in Miami-Dade, $0.60 plus a $0.45 surtax unless the property is a single-family home), documentary stamp tax on the mortgage at $0.35 per $100 of the loan, nonrecurring intangible tax of 2 mills (0.2%) of the loan, and title insurance at the rates in rule 69O-186.003: $5.75 per $1,000 up to $100,000 of coverage, $5.00 per $1,000 from $100,000 to $1 million, $2.50 up to $5 million, with a $100 minimum. A lender's policy issued at the same time as the owner's policy costs $25 if it does not exceed the owner's coverage.

Closing costs are everything besides the down payment that it takes to transfer the home and fund the loan. We split them into two kinds. Items fixed by law are calculated exactly from state rules: Florida's documentary stamp taxes and intangible tax, title insurance premiums in Florida and Texas (both states set them by regulation, so every title company charges the same premium), and Arizona's flat $30 recording fee per document. Market fees — lender charges, appraisal, settlement or escrow fees, inspections and prepaid items — depend on the companies you choose, so we show editable placeholders.

Buyer side: lender fees, appraisal, the lender's title policy (issued with the owner's policy at a reduced simultaneous rate: $25 in Florida, $100 in Texas), recording, Florida's mortgage taxes, inspections and prepaids. Seller side: Florida's deed tax, the real estate commission, the seller's settlement fee and other payoffs. The owner's title policy goes to whichever side your contract says. Seller credits reduce what the buyer pays at closing and increase the seller's costs.

Your lender must give you a Loan Estimate within three business days of your application and a Closing Disclosure at least three business days before closing. Use them to replace our placeholders with your real numbers.

Calculator by state

Frequently asked questions

How much are seller closing costs in Florida?

The main ones are the commission (negotiable), the documentary stamp tax on the deed and, if the seller pays it, the owner's title policy. On a $400,000 sale the deed tax is $2,800 and the promulgated owner's policy premium is $2,075, before title service fees and any HOA or mortgage payoff charges.

What closing costs does the buyer pay in Florida?

With a loan, the buyer usually pays the taxes on the mortgage: on a $320,000 loan, $1,120 in documentary stamps and $640 in intangible tax. Add the $25 simultaneous lender's title policy plus endorsements, recording fees, lender fees, appraisal, inspections and prepaid items, and the owner's title policy if the contract assigns it to the buyer.

What is the documentary stamp tax rate in Miami-Dade?

On deeds, $0.60 per $100 of the price plus a surtax of $0.45 per $100. The surtax is not due when the deed transfers only a single-family dwelling. The mortgage tax ($0.35 per $100) and the intangible tax (0.2%) are the same as in the rest of Florida.

What are closing costs?

They are the fees and taxes paid at closing on top of the down payment: lender charges, title insurance, government recording fees and transfer taxes, prepaid interest and insurance, and escrow deposits for property taxes. Sellers also have closing costs, mainly the commission, any transfer tax and the payoff of their mortgage.

Who pays closing costs, the buyer or the seller?

Both pay some. Who pays each item (for example the owner's title policy or a transfer tax) is set in the purchase contract and can be negotiated, and the seller can agree to give the buyer a credit toward closing costs. The calculator lets you choose who pays the owner's title policy and enter a seller credit.

Sources

Results are estimates for information only and are not legal, tax or financial advice. Confirm the figures with your lender, title or escrow company and the county offices.