Florida Closing Costs, Line by Line.
Florida charges doc stamps on the note, intangible tax on the mortgage, and title insurance at state-promulgated rates. Generic national calculators miss all three — this one doesn't.
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.