Most closing-cost calculators are generic. Florida’s real closing costs are anything but — they’re driven by state transfer taxes, a mortgage intangible tax, and a state-set (“promulgated”) title-insurance premium, and who pays which line changes by county. This calculator estimates those statutory Florida items and splits them between buyer and seller the way your county customarily does.
It deliberately excludes lender fees, appraisal, inspection, survey, and prepaid escrows — those are market- and lender-specific and belong on your Loan Estimate, not a Florida tax calculator.
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Estimate Florida closing costs
Statutory Florida transfer/recording taxes and promulgated title rates only. Who pays the owner’s title policy follows county custom and is negotiable. Excludes lender fees, appraisal, inspection, survey, HOA/condo estoppel, and property-tax/insurance prepaids — those vary by lender and deal. Not a Loan Estimate.
The four Florida-specific line items
| Cost | Rate | Customary payer | Basis |
|---|---|---|---|
| Deed documentary stamp tax | $0.70 / $100 ($0.60 Miami-Dade) | Seller | Sale price |
| Note documentary stamp tax | $0.35 / $100 | Buyer | Loan amount |
| Intangible tax on mortgage | $0.20 / $100 (0.2%) | Buyer | Loan amount |
| Owner's title insurance | $5.75 / $1,000 to $100k, then $5.00 | County custom | Sale price |
Title insurance is a state-set price
Florida is a promulgated-rate state: the owner’s title-insurance premium is fixed by regulation, so shopping title companies won’t change the base premium. The rate is tiered — higher per-thousand on the first slice of value, lower above it.
| Coverage band | Rate per $1,000 | Example premium |
|---|---|---|
| Up to $100,000 | $5.75 | $100k → $575 |
| $100,000 to $1,000,000 | $5.00 | $450k → $2,325 |
| $1,000,000 to $5,000,000 | $2.50 | $1.5M → $7,825 |
| $5,000,000 to $10,000,000 | $2.25 | — |
| Above $10,000,000 | $2.00 | — |
What this estimate leaves out
A full cash-to-close figure includes several non-Florida-specific costs that depend on your lender and the property, not on state law:
- Lender fees — origination, underwriting, points, credit report.
- Third-party reports — appraisal, home inspection, wind mitigation, survey, WDO (termite).
- Prepaids and escrows — the big one in Florida: the first year of homeowners/hurricane insurance plus a property-tax reserve. Coastal premiums can dwarf every other line.
- HOA/condo estoppel — fees to obtain the association’s payoff and transfer documents.
- Prorations — property taxes and HOA dues split between buyer and seller at the closing date.