Miami-Dade first • Broward • Palm Beach
South Florida Closing Costs
Closing costs are the title, escrow, lender, recording, tax, and transaction charges paid at settlement. The exact total depends on the contract, loan, property, county, and who is responsible for each item.
What to review before closing
- Title and settlement services: title search, lien or municipal-lien work, escrow handling, document preparation, and the closing fee.
- Title insurance: an owner’s policy, a lender’s policy when financing, and any endorsements required by the transaction.
- Recording and government charges: county recording fees, documentary stamp tax, and other charges allocated by the contract or applicable law.
- Lender and property charges: appraisal, credit, underwriting, prepaid interest, insurance, tax escrows, and HOA or condominium items when applicable.
- Seller-side adjustments: commissions, payoff or release charges, prorated taxes, HOA balances, and negotiated credits.
Why county and contract details matter
Miami-Dade, Broward, and Palm Beach transactions can allocate taxes, title insurance, municipal-lien searches, and settlement charges differently. A written fee estimate should identify each item, the responsible party, and whether it is a lender requirement, a county charge, or a negotiated contract term.
Quick planning estimate
Florida closing-cost calculator
Enter two numbers for a simple estimate. We use a 1.5% planning assumption for closing costs.
Ready for a more precise number?
Share the purchase price, county, loan status, and target closing date. Our team can review the transaction and prepare a file-specific estimate.
This is a simple budgeting estimate, not a quote, Closing Disclosure, or settlement statement. Actual costs vary by county, contract, lender, property type, title policy, taxes, recording, HOA or condominium charges, and negotiated credits. Ask Location Title & Escrow for a file-specific estimate before relying on the number.
Get a transaction-specific estimate
Location Title & Escrow can help buyers, sellers, agents, lenders, and investors identify the documents and charges needed for a South Florida closing. Have the purchase price, county, loan status, contract, and target closing date ready so the estimate can be reviewed in context.
Contact the Miami Lakes office