Florida Closing Costs 2025 – Full Calculator + Who Pays What

Understanding closing costs is a critical step in buying or selling a home in Florida. This guide breaks down the typical expenses and provides a calculator to help you estimate your costs.

Typical Closing Costs for a Buyer in Florida

• Lender's Title Insurance Policy: Protects the lender's interest in the property.
• Appraisal Fee: Cost to determine the fair market value of the home for the lender.
• Inspection Fees: Costs for home, pest, and other inspections.
• Loan Origination Fees: Fees charged by the lender for processing the loan.
• Recording Fees: County fee to record the new deed and mortgage.
• Homeowner's Insurance: First year's premium is often required at closing.
• Property Taxes (Prorated): Your share of the property taxes for the current year.
• Owner's Title Insurance (in some counties): In counties like Palm Beach and Collier, it's customary for the buyer to pay for their own title policy. See our county guide.

Typical Closing Costs for a Seller in Florida

• Real Estate Agent Commissions: Typically the largest cost for a seller.
• Documentary Stamp Tax on the Deed: A state tax based on the property's sale price.
• Owner's Title Insurance (in most counties): In counties like Miami-Dade and Broward, it's customary for the seller to provide the owner's title policy to the buyer.
• HOA/Condo Estoppel Letter: Fee charged by the association to certify the status of dues.
• Prorated Property Taxes & Dues: Your portion of taxes and HOA/condo dues up to the closing date.
• Title Search & Closing Fees: Often covered by the seller when they are providing the title insurance.