See exactly how much cash you'll need at the closing table — including Florida-specific doc stamps, intangible tax, title insurance, lender fees, and prepaids.
All figures are estimates based on typical Florida fees and the assumptions you enter. Your final cash-to-close amount comes from your lender's Loan Estimate.
Start with the purchase scenario.
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Conventional has no upfront mortgage insurance.
Used for per-diem (daily) interest collected at closing.
Florida county affects doc-stamp rate and title insurance custom.
Palm Beach: $0.70 / $100 deed doc stamps. Owner's title typically seller-paid.
FL average is roughly 0.8–1.2% of purchase price; coastal counties can run higher.
FL averages $3,000–$6,000 depending on coast distance, roof, and wind exposure.
Timing and seller/lender contributions can move your cash-to-close significantly.
Drives two big numbers: (1) per-diem interest — closing later in the month = less prepaid interest. (2) Tax escrow setup — the further from November you close, the more months of taxes title collects up front.
In most FL counties, the seller customarily pays Owner's Title. Miami-Dade, Broward, Sarasota, and Collier counties customarily flip this to the buyer.
In FL, deed doc stamps are customarily seller-paid. Toggle on only if your contract assigns it to the buyer.
Most online closing-cost calculators ignore the items unique to Florida. Here's what to actually expect at the table.
A FL transfer tax of $0.70 per $100 of purchase price ($0.60 in Miami-Dade). On a $450,000 home that's $3,150. Customarily seller-paid, but it's negotiable in the contract.
FL charges $0.35 per $100 of the loan amount on the promissory note. A $360,000 loan = $1,260. This one is buyer-paid in virtually every contract.
A FL tax of $2.00 per $1,000 ($0.002) on the mortgage amount. A $360,000 loan = $720. Always buyer-paid. Combined with doc stamps on the note, you're looking at ~$0.55 per $100 borrowed.
Florida sets the rate by statute: $5.75/$1,000 on the first $100k, $5.00/$1,000 after. Owner's policy is seller-paid in most FL counties — but buyer-paid in Miami-Dade, Broward, Sarasota, and Collier.
Lenders collect daily interest from your closing date to month-end. Closing on the 28th of a 30-day month = 2 days of interest. Closing on the 2nd = 28 days. Timing your close late in the month can save hundreds.
The same 14-month rule (12-month bill + 2-month cushion) applies to property tax, homeowners insurance, and flood insurance. The lender needs 14 months collected when each disbursement arrives. Title collects the gap at closing.
Property tax disburses every November (FL bill date). Close in May → first payment July → 5 payments before Nov → title collects 14 − 5 = 9 months. Close in October → first payment December → 12 payments before next Nov → title collects only 2 months.
HOI & flood renew on the policy anniversary (closing date + 12 months). Because first payment is always 2 months after closing, there are typically 11 payments before renewal → title collects a steady ~3 months for each insurance line at closing.
Closing costs are estimated using current Florida statutory rates and typical lender / title fees. Each line item is adjustable in concept by your specific lender, title company, and contract terms.