Mortgage Tools
Florida Closing Cost Estimator
Closing costs are more than lender fees. In Florida you also have title charges, documentary stamps, intangible tax, and prepaid taxes and insurance. Enter your numbers to see an educational estimate of your cash to close.
Your Numbers
= $21,250 down
For prepaid interest only. Not an offered rate or a commitment to lend.
Contributions are capped by loan program and sale price.
Conventional loans have no upfront government program fee.
Choose $0 if the origination is built into the rate instead of charged as a fee.
= $4,038 on a $403,750 base loan
In most Florida counties the seller customarily pays for the owner's policy, but it is negotiable in the contract.
Miami-Dade uses $0.60 per $100 on the deed. A county surtax can also apply to certain non-single-family transfers.
Estimated cash to close
Down payment plus estimated closing costs, minus credits
- Down payment$21,250
- Total estimated closing costs$21,610
- Seller / lender credit applied-$0
- Base loan amount$403,750
- Total loan amount$403,750
Important: how Florida closing costs are built Roughly half of a Florida closing figure is not lender fees at all. Documentary stamps, intangible tax, and title charges are set by the state and the title company, and prepaid taxes and insurance are your own money going into escrow. Seller contributions, lender credits, and a title re-issue credit on a recent prior policy can each lower the cash you bring.
Fee amounts shown are typical illustrative figures, not quotes. Your actual costs come from your Loan Estimate and the title company's settlement statement.
Lender & processing fees
- Origination fee (1% of base loan)$4,038
- Underwriting$1,295
- Processing$995
- Appraisal$650
- Credit report$155
- Flood certification & tax service$110
Title & settlement
- Lender's title policy (simultaneous issue)$325
- Settlement / closing fee$600
- Title search & examination$250
- Title endorsements$225
- Survey$450
Florida taxes & recording
- Documentary stamps on the deed ($0.70 per $100)$2,975
- Documentary stamps on the note ($0.35 per $100)$1,413
- Intangible tax on the mortgage (0.2%)$808
- Recording fees$185
Prepaids & escrow reserves
- Homeowners insurance — 12 months prepaid$3,600
- Property tax escrow — 3 months$1,600
- Insurance escrow — 3 months$900
- Prepaid interest — 15 days$1,037
Closing costs vs. cash to close
Closing costs are the fees and prepaid items charged in the transaction. Cash to close is the full amount you wire: your down payment plus those costs, minus your deposit already paid and any credits. The two numbers are rarely the same.
What Florida charges that other states do not
Florida collects documentary stamps on the deed and on the mortgage note, plus an intangible tax on the new mortgage. On a $425,000 purchase those state items alone commonly run several thousand dollars.
Where you can actually negotiate
Seller contributions, lender credits, who pays the owner's title policy, and the choice of title company are all negotiable within program limits. The state taxes are not.
What this estimator cannot tell you
It cannot tell you your rate, your approval, your exact escrow schedule, or your county's specific surtax treatment. Those come from a full application, a property, and your Loan Estimate.
Educational Calculator Disclaimer
This calculator is provided for educational purposes only. Results are hypothetical estimates based on the figures you enter and typical Florida fee amounts. They are not a loan estimate, pre-approval, quote, or commitment to lend, and no annual percentage rate is shown. Actual closing costs, taxes, insurance, escrow requirements, credits, and loan terms depend on your property, county, title company, loan program, and underwriting.
Want a real cash-to-close figure for your purchase?
Give me the property, the program, and your timeline and I will build the actual numbers with you — no application required.
About the Author
Tanesha Tomlinson
Florida Mortgage Loan Advisor, Hometown Financial Group, LLC DBA Modus Mortgage
NMLS #1540854 · Company NMLS #1028232
Tanesha Tomlinson is a 24-year Florida mortgage industry expert who has originated over $100,000,000 in mortgages. She works with homebuyers, homeowners, and Realtor partners across South Florida, Broward County, Central Florida, and the Orlando area. Her focus is qualification, income calculation, loan programs, down payment assistance, and cash to close — explained plainly, with the numbers in front of you. As a licensed Florida Realtor® with United Realty Group, she also understands the property and contract side of the same purchase.
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Hometown Financial Group, LLC DBA Modus Mortgage · Company NMLS #1028232 · Tanesha Tomlinson NMLS #1540854 · Florida Real Estate License #SL3524613 (United Realty Group) · Equal Housing Lender. Licenses can be verified on NMLS Consumer Access and the Florida DBPR license portal. Content is educational only and is not a commitment to lend.
Last updated September 30, 2026
Information and tools on this website are educational only and should not be considered individualized financial, legal, or tax advice. Estimates are not a pre-approval, loan approval, or commitment to lend. Mortgage approval, rates, APRs, payments, taxes, insurance, closing costs, and loan terms are subject to borrower qualifications, property information, applicable loan-program requirements, and underwriting. This website disclaimer does not replace Modus Mortgage's official disclosures.
