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Closing Costs Calculator
Estimate your total closing costs for buying a home in Florida. Includes all standard fees plus Florida-specific taxes and charges.
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$
20.0% of home price
Cost Breakdown
Lender Fees$5,000
Title & Escrow$3,150
Prepaid Items$3,855
Government Fees (FL)$1,760
Other (Survey, Inspections)$1,050
Total Cash Needed at Closing
$94,815
Down Payment$80,000
Closing Costs$14,815
Estimated Closing Costs
~3.7% of home price$14,815
Florida-Specific Costs
Florida has unique closing costs including Documentary Stamps and Intangible Tax. These are included in our estimate.
Doc Stamps (Mortgage)$1,120
Intangible Tax$640
Understanding Florida Closing Costs
Documentary Stamps
Florida charges $0.35 per $100 of the mortgage amount. This is a state tax paid at closing.
Intangible Tax
A one-time tax of 0.2% (2 mills) on the mortgage amount, paid to the state at closing.
Title Insurance
Florida uses a promulgated rate of about $5.75 per $1,000 of purchase price. This protects your ownership rights.
Prepaid Items
You'll prepay homeowner's insurance (1 year), property taxes (2-6 months escrow), and daily interest until your first payment.
Note: These are estimates. Actual costs may vary based on your lender, title company, and specific property. Always request a Loan Estimate from your lender for exact figures.