Florida Closing Cost Estimator

See an itemized breakdown of every cost you can expect at closing in Florida. This estimator uses actual FL documentary stamp tax rates, promulgated title insurance schedules, and county-specific property tax rates for escrow.

Purchase Price

Down Payment (%)

Or enter 0% to estimate closing costs on the full price

County

Affects property tax escrow amount

Annual Insurance ($)

FL average: $2,000-$4,000/year

Interest Rate (%)

Used for per diem interest estimate

Estimated Buyer Closing Costs

$15,081

4.3% of purchase price

Purchase: $350,000Loan: $332,500Down: $17,500

Buyer Closing Costs (Itemized)

Documentary Stamp Tax (on note)($0.35 per $100 of loan amount)

$1,164

Intangible Tax(0.2% of mortgage amount)

$665

Title Insurance(FL promulgated rate)

$1,825

Title Search & Exam(Estimated)

$300

Survey(Estimated)

$425

Recording Fees(Estimated)

$150

Lender Origination Fee(~1% of loan)

$3,325

Appraisal(Estimated)

$550

Property Tax Escrow (6 months)(After homestead exemption)

$2,955

Insurance Prepaid (14 months)(1 year + 2 months escrow)

$2,800

Per Diem Interest (~15 days)(Depends on closing date)

$922

Total Buyer Closing Costs$15,081

Seller Costs (for reference)

Documentary Stamp Tax (on deed)$2,450

Seller also typically pays the real estate commission. These costs are negotiable.

Can the Seller Help With Closing Costs?

Yes. Sellers can contribute toward your closing costs (called “seller concessions”). Limits depend on loan type:

FHA: Up to 6% of purchase price
VA: Up to 4% of purchase price
Conventional (<10% down): Up to 3%
Conventional (10-25% down): Up to 6%
USDA: Up to 6%

Barrett can negotiate seller concessions as part of your offer. In many cases, this reduces your out-of-pocket closing costs significantly.

Estimated Total Cash to Close

$32,581

Down payment + closing costs (before any seller concessions or DPA)

Closing costs feel high?

Barrett negotiates seller concessions on most offers he writes. Many down payment assistance programs also cover closing costs. Call to discuss your specific situation.

Call (813) 733-7907

This estimator provides approximate figures for educational purposes only. Actual closing costs vary by lender, title company, closing date, and property specifics. Always request a Loan Estimate from your lender for precise numbers.

Check if you qualify for closing cost assistance

Several Florida programs cover closing costs in addition to down payments.

Check My Eligibility

Or call Barrett directly: (813) 733-7907