Closing Cost Calculator
Estimate the Florida-specific closing costs on your purchase, including doc stamps, intangible tax, and title insurance.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
Florida estimate only. Doc stamps on the deed differ slightly in Miami-Dade. Seller and lender credits can offset many costs. Final figures appear on your Loan Estimate.
Closing costs are the one-time fees you pay to finalize a purchase, on top of your down payment. Florida has a few state-specific charges — documentary stamp taxes and intangible tax — that surprise many buyers.
This tool breaks the total into its main parts so you can see where the money goes and plan how much cash you need at the closing table.
How to Use This Calculator
- 1
Enter the purchase price of the home.
- 2
Enter your loan amount, which drives the doc-stamp and intangible taxes on the note.
- 3
Review each line item, from title insurance to recording fees.
- 4
Use the total as a planning figure, then confirm exact numbers on your official Loan Estimate.
The Formula & Assumptions
Deed doc stamps = price × 0.70%
Note doc stamps = loan × 0.35%
Intangible tax = loan × 0.20%
Owner title ≈ price × 0.575%
+ recording + lender/third-party
Florida charges documentary stamp tax on the deed at $0.70 per $100 of price (slightly different in Miami-Dade) and on the note at $0.35 per $100 of the loan, plus an intangible tax of $2 per $1,000 of the loan.
Owner title insurance follows the state promulgated rate, estimated here at about 0.575% of price. Lender fees, appraisal, and recording round out the total.
Seller concessions and lender credits can offset a large share of these costs. Your binding numbers appear on the Loan Estimate and the Closing Disclosure, not on any calculator.
Frequently Asked Questions
How much are closing costs in Florida?
Closing costs commonly run about 2% to 5% of the purchase price. Florida adds documentary stamp taxes and an intangible tax that many other states do not charge, which can raise the total.
What are Florida doc stamps?
Documentary stamp tax is a state transfer tax. On the deed it is $0.70 per $100 of price (Miami-Dade differs), and on the mortgage note it is $0.35 per $100 of the loan amount. There is also an intangible tax on the note.
Can the seller pay my closing costs?
Often yes. Sellers can contribute toward closing costs within program limits, and lender credits can cover more in exchange for a slightly higher rate. These concessions reduce the cash you bring to closing.
Who pays for title insurance in Florida?
It is negotiable and varies by county custom. In many Florida counties the seller pays for the owner title policy, while the buyer pays the lender policy, but the contract controls who pays what.
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Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.