Florida closing costs, itemized.
Doc stamps, intangible tax, and title premiums are set by Florida law, so most of this is math, not mystery. Enter a price and see the real breakdown.
Purchase Details
Your Estimate
- Doc stamps on the note ($0.35/$100 of loan)$1,260
- Intangible tax (0.2% of loan)$720
- Lender's title policy (simultaneous issue)$25
- Lender fees (origination, underwriting)($1,000–$1,900)$1,400
- Appraisal($500–$650)$575
- Recording fees$105
- Home inspection($350–$550)$450
- Survey($300–$500)$400
- Settlement / closing fee($450–$700)$550
- Prepaids & escrow (insurance, taxes, interest)(varies)$3,600
- Doc stamps on the deed ($0.70/$100)$3,150
- Owner's title policy (promulgated rate)$2,325
Plus commission and prorations. Who pays what is negotiable in the contract; this is the local convention.
Florida buyers typically pay 2–4% of the purchase price in closing costs on a financed deal: documentary stamps on the note ($0.35 per $100 of loan), intangible tax (0.2% of loan), lender and title fees, inspections, and prepaid taxes and insurance. Sellers around Tampa Bay customarily cover the deed stamps ($0.70 per $100 of price) and the owner's title policy.
The other numbers worth checking
Closing costs are one-time. The recurring numbers, the monthly payment, the HOA, and in newer communities the CDD assessment, are what actually shape whether a home fits your budget. We keep live databases of both, built from local MLS data.
Closing cost questions, answered.
What Florida actually charges, and what's negotiable.
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