Florida closing cost calculator

Florida buyers who finance pay two loan taxes: 0.35% in stamps on the note and a 0.2% intangible tax on the mortgage. In Miami-Dade, Broward and Sarasota the buyer customarily pays for the owner’s title policy too.

Florida’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

County or city

Florida: Documentary stamp tax: 0.7% of the price, and the seller usually pays it. Buyers also pay documentary stamps on the note and intangible tax on the mortgage. Owner’s title is usually paid by the seller, though it varies.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $87,076

2%closing costs

Purchase price$395,000
Down payment (20%)$79,000
- Loan amount$316,000
Loan costs+$3,860
- Origination and lender feesest.+$3,160
- Appraisalest.+$700
Title and closing+$875
- Lender’s title insurance+$25
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$1,920
- Documentary stamps on the note+$1,106
- Intangible tax on the mortgage+$632
- Property tax credit from the sellerest.−$3,658
Prepaids and escrow+$4,811
- Homeowner’s insurance, first yearest.+$1,975
- Prepaid interest (27 days)est.+$1,519
- Property tax escrow (3 months)est.+$988
- Insurance escrow (2 months)est.+$329
Other costs+$450
- Home inspectionest.+$450
Cash to close$87,076

Estimated monthly payment$2,491

Principal and interest$1,997
Mortgage insurance$0
Property taxes$329
Insurance$165
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

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A Florida purchase, worked out

The calculator opens on $395,000, about the median value of an owner-occupied home in Florida ($396,900, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $87,076: $79,000 down and $8,076 in closing costs, 2% of the price. Florida’s taxes on the buyer come to $1,738 of that: documentary stamps on the note $1,106, intangible tax on the mortgage $632. The monthly payment comes to about $2,491, with property tax and insurance.

Cash to close on $395,000, 20% down
Down payment	$79,000
Origination and lender feesest.	+$3,160
Appraisalest.	+$700
Lender’s title insurance	+$25
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Documentary stamps on the note	+$1,106
Intangible tax on the mortgage	+$632
Property tax credit from the sellerest.	−$3,658
Homeowner’s insurance, first yearest.	+$1,975
Prepaid interest (27 days)est.	+$1,519
Property tax escrow (3 months)est.	+$988
Insurance escrow (2 months)est.	+$329
Home inspectionest.	+$450
Cash to close	$87,076

Estimates are tagged “est.”; Florida’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

Florida’s buyer taxes: the documentary stamps on the note (0.35% of the loan); the intangible tax on the mortgage (0.2% of the loan). Each row has 20% down on a conventional loan.

Price	Florida’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	$1,100	$6,147	$56,147	$1,597
$500,000	$2,200	$9,685	$109,685	$3,153
$750,000	$3,300	$13,515	$163,515	$4,730
$1,000,000	$4,400	$17,345	$217,345	$6,307
$2,000,000	$8,800	$32,664	$432,664	$12,613

Buying in Florida: what to know

Taxes buyers pay

On a new mortgage, Florida buyers pay documentary stamps on the note of 35 cents per $100 (0.35%) and a nonrecurring intangible tax of 0.2% of the loan. On a $320,000 loan that is $1,120 and $640. There is no cap on either for a recorded mortgage.

Documentary stamp tax

Florida’s documentary stamp tax on deeds is 70 cents per $100 of the price (0.7%), rounded up to the next $100, so $2,800 on a $400,000 sale. By law everyone on the deed is liable, but by custom and under the standard Florida contracts the seller pays it. The price includes any mortgage the buyer takes the home subject to.

Title insurance

Florida sets title insurance premiums by rule: $5.75 per $1,000 up to $100,000 and $5 per $1,000 from $100,000 to $1 million, with lower rates above that and a $100 minimum, so an owner’s policy on a $500,000 home is $2,575. Reissue rates apply when the seller’s own owner’s policy is less than three years old. The seller pays in most counties; the buyer customarily pays in Miami-Dade, Broward and Sarasota, and often in Collier. When the lender’s policy is issued with the owner’s, the rule sets a $25 minimum for it, though title companies’ actual charge varies and endorsements are extra.

Who runs the closing

Florida doesn’t require an attorney. Licensed title agencies and attorney agents both close sales, and many sellers close through a title company without an attorney of their own.

Property taxes and escrow

Florida taxes the calendar year, assessed January 1, with bills mailed November 1. Paying early earns a discount (4% in November down to 1% in February), and taxes go delinquent April 1. At a closing before November the current year is unpaid, so the seller credits the buyer from January 1 through the day before closing.

Local differences

Miami-Dade charges deed stamps at 0.6% instead of 0.7%. It also adds a 0.45% surtax on every deed except one for a single-family home, condo or co-op unit, so other property pays 1.05%; the surtax is scheduled to end October 1, 2031. Owner’s title custom: buyer pays in Miami-Dade, Broward and Sarasota (Collier is often listed with them); seller pays in Palm Beach, Manatee, Hillsborough, Pinellas, Orange and Duval, and generally in Lee; reports conflict for Charlotte, so confirm with a local title agent.

Florida by county

Most of Florida follows the rules above. These counties add a tax of their own, set a different rate or change who pays, and the calculator applies them when you pick one. Amounts are what the buyer usually pays in transfer and deed taxes on $395,000 with 20% down, plus the owner’s title policy where the buyer usually buys it.

Everywhere else in Florida

The state’s rules, as above

$1,738

Broward County

Buyer pays owner’s title

$3,788 +$2,050 vs. elsewhere

Charlotte County

Who pays owner’s title varies