Closing costs
What you actually
bring — or take home.
Buyers underestimate cash to close. Sellers overestimate their check. This runs the Florida line items — doc stamps, intangible tax, title, estoppel, prepaids — so you see the real number early enough to plan around it.
Estimated cash to close
$145,485
Down payment $130,000 + closing costs $8,685 + prepaids $6,800
Down payment
$130,000
Lender fees (origination, underwriting)
$2,500
Appraisal
$650
Intangible tax on the note
$2 per $1,000 financed — Florida
$1,040
Doc stamps on the note
$0.35 per $100 financed
$1,820
Title search & exam
$350
Lender's title policy
$325
Settlement / closing fee
$650
Survey
$500
Home inspection
$550
Recording fees
$300
Prepaid property taxes (3 mo.)
$2,600
First-year insurance premium
$4,200
In Miami-Dade and Broward the seller customarily pays the owner's title policy and deed doc stamps, so those aren't included above. Everything here is an estimate — your lender's Loan Estimate governs.
Doc stamps are unavoidable
Florida taxes the deed at $0.70 per $100 of price and the mortgage note at $0.35 per $100, plus a $2-per-$1,000 intangible tax. On a $650,000 purchase that is thousands before anyone touches title.
Who pays what is customary, not fixed
In Miami-Dade and Broward the seller normally pays the owner's title policy and deed stamps. It is negotiable — and in a slower market, worth negotiating.
Prepaids surprise buyers
Your first-year insurance premium and several months of taxes are collected at closing. Florida premiums make this the single biggest gap between a buyer's guess and reality.
Sellers: estoppel and payoff timing
Condo estoppel letters, municipal lien searches and per-diem interest on your payoff all shave the final wire. Build a cushion of a few thousand dollars.
Want exact numbers for a specific property?
Send me the address and I'll build a line-by-line estimate with your county, your closing date and your lender's terms.