Owner's title insurance
$2,575.00
Florida promulgated-rate estimate based on the purchase price. Reissue credits and endorsements are not included.
Free Florida closing tools
Florida Title & Closing Calculators
Estimate title, tax, FIRPTA, contract deadline, recording, buyer, and seller figures for properties in Miami-Dade, Broward, Palm Beach, and Monroe counties.
One transaction, eleven planning tools
Enter the transaction details
Change any field and every estimate updates instantly. County selection applies the Miami-Dade deed-tax rules where needed.
Planning results
Florida title and closing estimates
Based on Miami-Dade County
Deed documentary stamps
$3,000.00
Miami-Dade rate applied without the discretionary surtax for a single-family residence.
Mortgage taxes
$2,200.00
$1,400.00 documentary stamps plus $800.00 nonrecurring intangible tax.
Recording fees
$147.50
Estimate using $10 for each first page and $8.50 for each additional page. Extra indexing and document-specific charges may apply.
Seller tax proration
$5,897.26
Estimated seller credit through the day before closing, using $7,500.00 in annual taxes.
Buyer cash to close
$79,025.24
Down payment plus selected buyer costs, less the deposit, credits, and estimated seller tax proration. Lender prepaids may differ.
Estimated seller net
$208,602.74
After payoff, $30,000.00 commission, deed tax, selected seller costs, tax proration, and title premium when assigned to seller.
Core title and tax charges
$7,922.50
Combined title premium, deed tax, mortgage taxes, and recording estimate. This total does not assign each charge to a party.
FIRPTA withholding
Uses the purchase price above as the total amount realized.
$75,000.00
Estimated rate: 15%
General 15% FIRPTA withholding rate applied to the foreign seller share of the amount realized.
Review IRS FIRPTA guidanceReissue / refinance title rate
Estimate a Florida reissue premium when a qualifying prior policy can be documented.
$1,730.00
Potential base-premium savings: $845.00
Original-rate comparison: $2,575.00. Reissue rates apply up to eligible prior coverage; original rates apply above it. Eligibility and the prior policy must be verified.
Review Florida title rate guidanceContract deadline date
Day 1 is the day after the start date. Choose the rule stated in the signed contract.
Friday, October 2, 2026
Includes observed U.S. federal holidays for business-day and roll-forward calculations. Acceptance, statutory disclosure, and backward-counted deadlines can use different rules.
Review Florida Realtors time guidanceNeed numbers for a real contract?
Send Location Title & Escrow the contract, county, financing details, and proposed closing date for a file-specific estimate.
These calculators provide planning estimates only and are not a quote, legal or tax advice, a Closing Disclosure, a settlement statement, or a deadline determination. Contract terms, FIRPTA exceptions or certificates, reissue eligibility, endorsements, lender charges, municipal fees, association charges, taxes, prorations, and recording details can change the final result.
How county selection changes the estimate
Florida title insurance rates and mortgage taxes follow statewide schedules. Deed documentary stamp tax is different in Miami-Dade County, and the Miami-Dade discretionary surtax depends on the type of property transferred.
What the estimate leaves out
A final settlement statement can include lender charges, insurance and tax escrows, inspections, surveys, association fees, municipal searches, endorsements, credits, and contract-specific allocations. Use these results for planning and request a detailed estimate before relying on them.
Florida calculator answers
Frequently asked questions
How are Florida title insurance premiums calculated?
Florida uses a promulgated premium schedule based on the amount insured. This calculator applies the original owner-policy rate tiers in Florida Administrative Code Rule 69O-186.003. Reissue credits, simultaneous-issue pricing, endorsements, and transaction-specific adjustments require a file review.
Read Florida's title insurance rate ruleWhy is Miami-Dade deed tax different?
Most Florida counties charge $0.70 per $100, or portion of $100, of consideration. Miami-Dade uses $0.60 per $100 and may add a $0.45 discretionary surtax. The surtax does not apply when the deed transfers only a single-family dwelling, so the property-type selection changes the estimate.
Review Florida documentary stamp guidanceWhat counties does this calculator cover?
The county selector covers Location Title & Escrow's core service area: Miami-Dade, Broward, Palm Beach, and Monroe County / Florida Keys. Statewide title-premium and mortgage-tax schedules are applied consistently, while the county selection controls Miami-Dade's separate deed-tax treatment.
How much FIRPTA withholding may apply?
The general FIRPTA withholding rate is 15% of the foreign seller's amount realized. When an individual buyer has definite plans to use the property as a residence, the rate may be 0% at $300,000 or less or 10% above $300,000 through $1 million. Seller status, ownership shares, certifications, and IRS withholding certificates can change the result.
Read IRS FIRPTA guidanceWhat is Florida's title insurance reissue rate?
A qualifying prior owner's or lender's title policy may reduce the base premium on a new owner's or refinance lender's policy. Florida's reissue schedule starts at $3.30 per $1,000 for the first $100,000 and $3.00 per $1,000 from $100,000 through $1 million. Prior-policy evidence and underwriting review determine eligibility.
Read Florida title insurance guidanceHow are Florida real estate contract deadlines counted?
The signed contract controls. Common Florida residential forms use calendar days and extend many deadlines that land on a weekend or observed national holiday, while some contract provisions and statutory disclosure periods use different rules. The calculator lets users choose calendar days, roll-forward treatment, or business days.
Read Florida Realtors time guidanceIs the result a final closing quote?
No. The result is a planning estimate. A final settlement statement can include lender charges, insurance and tax escrows, association costs, municipal searches, endorsements, contract credits, and other file-specific items. Location Title can prepare a detailed estimate after reviewing the transaction information.
Request a file-specific estimate