What you pay at closing when you buy a home in Florida: state taxes, title insurance, recording fees and the costs that depend on your lender. Enter your numbers below for an estimate.
Enter the price and your down payment. Florida taxes and title insurance are calculated from the rates set by state law and rule; add your lender's figures for a fuller picture.
Rates as of November 7, 2026. Florida taxes and title insurance rates are set by state law and rule and can change; recording fees from the county clerk. This estimate does not include your earnest money deposit (it is credited toward your down payment), seller credits or property tax prorations unless you add them above. Your Closing Disclosure from the lender, delivered before closing, is the final word.
These costs follow state rates, so they are the same whichever lender or title company you use.
| Cost | Florida rate | Notes |
|---|---|---|
| Documentary stamp tax on the deed | 70 cents per $100 of the price (or part of $100) | Due when the deed is recorded. Your contract says which side pays; the state holds all parties liable for it. |
| Documentary stamp tax on the mortgage | 35 cents per $100 of the loan | Only when you finance. No cap on a recorded mortgage. |
| Intangible tax on the mortgage | 0.2% of the loan | Only when you finance. Figured on the exact loan amount. |
| Recording fees | $10 for the first page, $8.50 for each added page | Charged by the county clerk for the deed and the mortgage. |
| Owner's title insurance | $5.75 per $1,000 up to $100,000; $5.00 per $1,000 from $100,000 to $1 million; $2.50 per $1,000 from $1 million to $5 million; lower above that. $100 minimum. | Rates are set by state rule, so the premium is the same at any title company. Settlement and search fees are not, so compare those. |
| Lender's title insurance | $25 when issued with the owner's policy | Required by most lenders. Endorsements the lender asks for cost extra. |
Rates and rules as of November 7, 2026. They can change when Florida or federal law changes; check with your closing agent before you rely on them. Sources: Florida Department of Revenue, Documentary Stamp Tax overview (PDF); Sarasota County Clerk, recording fees and taxes (F.S. 28.24); Florida Administrative Code Rule 69O-186.003, title insurance rates
Origination, underwriting, appraisal and credit report fees, plus any points you choose to pay for a lower rate. They are listed on the Loan Estimate your lender must give you within three business days of your application, so you can compare lenders line by line.
The title company or closing attorney charges for the title search, the closing itself and searches for open permits and unpaid municipal liens. Unlike the title insurance premium, these fees are not set by the state, so they are worth comparing.
A home inspection, a wind mitigation inspection and a four-point inspection (often asked for by insurers on older homes) are common in Florida. Lenders usually require a survey for single-family homes and homeowners insurance in place at closing, and flood insurance in high-risk flood zones.
Lenders typically collect the first year of homeowners insurance and start an escrow account for taxes and insurance. Property taxes for the year are split between buyer and seller by the day of closing. In a condo or HOA community there may be a capital contribution or transfer fee and the first month of dues.
Your lender must give you a Closing Disclosure at least three business days before closing. Compare it with your Loan Estimate and ask about any line that changed.
Rates and rules as of November 7, 2026. They can change when Florida or federal law changes; check with your closing agent before you rely on them. Sources: Consumer Financial Protection Bureau, Closing Disclosure explainer
It depends on the price, the loan and the contract. Florida taxes on a mortgage add about 0.55% of the loan amount, and lender, title and prepaid costs come on top. The calculator above adds up the state taxes and title insurance for your numbers and lets you enter your lender's figures.
Your purchase contract says who pays it, and it can be negotiated. Under state law all parties are liable for the tax, whatever the contract says, so it has to be paid at closing.
It is negotiable and the contract says who pays for the owner's policy and who picks the title company. Customs differ from county to county. The lender's policy is a buyer cost when you finance.
Yes, but fewer. With no mortgage there is no mortgage stamp tax, intangible tax or lender's policy. You still pay recording fees, title and settlement fees, and any inspections and prorations.
Yes. A seller credit toward your closing costs can be negotiated in the contract. Lenders limit how large it can be, so check with yours first.
Yes. Send us the home and your financing plan and we will walk through the numbers with you before you make an offer.
Exodus Realty works with buyers across Palm Beach, Broward, Martin, St. Lucie and Indian River Counties. We will estimate your costs on any home before you make an offer.
Paul Christle, Licensed Real Estate Broker · Exodus Realty. Information is believed reliable but not guaranteed. Verify association rules, fees, flood zones, schools and taxes independently.
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than Exodus Realty, LLC in Greater Fort Lauderdale Florida and Palm Beaches may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2026 All rights reserved. Last Updated: November 7, 2026 9:08 PM UTC
