Skip to content
Interactive tool

Florida Closing Cost Estimator

Estimate Florida buyer closing costs: doc stamps, intangible tax, promulgated title premiums and recording fees by county. An estimate only, not a quote.

Statutory tax ratesFlorida promulgated title premiumsAll 67 counties

Estimate the buyer's closing costs on a Florida home purchase: Florida's doc stamps and intangible tax, the state-set title insurance premium, county recording fees, and editable placeholders for the fees that vary. Enter your price, loan and county below.

Estimate only, not a quote. Verify every figure with a licensed Florida title agent or lender before relying on it.

Your purchase

Ballpark; deed assumed 2 pages.

Optional items (enter if known)
Typical fees ballpark defaults, edit to match your Loan Estimate

Ignored for cash purchases.

These defaults are rough placeholders, not Florida averages. Service fees are not set by the state and vary by company and deal.

Estimated buyer closing costs

ItemAmount

Formulas: deed doc stamps $0.70 per $100 or portion (§201.02, F.S.; Miami-Dade $0.60 plus $0.45 surtax unless single-family/condo, §201.031); mortgage doc stamps $0.35 per $100 or portion (§201.08); intangible tax 0.002 × loan (§199.133); title base premium per Rule 69O-186.003, F.A.C. ($5.75/$1,000 to $100k, $5.00 to $1M, $2.50 to $5M, $2.25 to $10M, $2.00 above; $100 minimum), simultaneous lender's policy $25 up to the owner's amount (excess at full rates); recording $10 first page + $8.50 each additional (§28.24). Endorsements, reissue credits and exemptions are not included. County title customs are from a 2015 industry survey and can change; your contract controls.

Estimate only, not a quote; verify with a licensed Florida title agent/lender.

Learn how these numbers work:

Get one plain-English Florida closing topic a week. Subscribe to the newsletter