In Florida, buyers typically pay about 2% to 5% of the purchase price in closing costs, and sellers typically pay about 1% to 3% before real estate commission — or roughly 7% to 9% once commission is included.
- On a $450,000 home, a financed buyer pays roughly $10,600 and a seller roughly $6,500 before commission.
- Three of the largest items are set by Florida statute and identical at every title company: deed doc stamps ($0.70 per $100), note doc stamps ($0.35 per $100) and intangible tax (2 mills).
- Title insurance premiums are promulgated by the state — shopping around cannot change the premium.
- Cash buyers pay dramatically less — often under 1% — because every loan-driven item disappears.
- What actually varies county to county: recording fees, tax proration millage, and who customarily pays for the owner's policy.
The short answer
Florida real estate closing costs are the sum of three things: state taxes on the deed and the loan, title and settlement charges, and lender and prepaid items if there is financing. The first group is fixed by statute, the second is regulated, and only the third really moves.
Percentages are a rough guide. The dollar math below is the useful part.
Every figure on this page uses Florida's actual statutory rates. Run your own numbers with the Florida closing cost calculator — free, instant, no signup.
Buyer's closing costs on a $450,000 Florida home
Assuming a conventional loan of $360,000 (80% loan-to-value):
| Item | How it's calculated | Amount |
|---|---|---|
| Doc stamps on the note | $0.35 per $100 of $360,000 | $1,260 |
| Intangible tax on the mortgage | 2 mills — $0.20 per $100 of $360,000 | $720 |
| Lender's title policy | Simultaneous-issue rate | $25 |
| Recording deed & mortgage | $10 first page, $8.50 each additional | ~$130 |
| Lender origination | Typically about 1% of the loan | ~$3,600 |
| Appraisal & credit report | Lender-ordered | ~$675 |
| Survey | Optional, often lender-required | ~$400 |
| Prepaid insurance & escrow reserves | Varies widely by carrier | ~$3,500 |
| Settlement / closing fee | Title agency charge | ~$400 |
| Estimated buyer total | About 2.4% of the purchase price | ~$10,710 |
The first three lines are fixed by Florida law. The lender and prepaid lines are the ones that differ meaningfully between lenders — which is where comparison shopping actually pays.
Seller's closing costs on the same $450,000 sale
| Item | How it's calculated | Amount |
|---|---|---|
| Doc stamps on the deed | $0.70 per $100 of $450,000 | $3,150 |
| Owner's title insurance policy | $5.75/$1,000 to $100k, then $5.00/$1,000 | $2,325 |
| Title search & examination | Agency charge | ~$200 |
| Municipal lien search | Third-party vendor | ~$150 |
| Settlement / closing fee | Title agency charge | ~$400 |
| HOA or condo estoppel | Capped by Florida statute | if applicable |
| Prorated property taxes | Through the closing date | varies |
| Subtotal before commission | About 1.4% of the sale price | ~$6,225 |
| Real estate commission | Negotiable — illustrated at 5% | ~$22,500 |
| Estimated seller total | About 6.4% including commission | ~$28,725 |
In Broward, Charlotte, Collier, Lee, Manatee, Miami-Dade and Sarasota the owner's policy moves to the buyer's column, which shifts roughly $2,325 on this example. See who pays closing costs in Florida for the full county map.
Sellers who want the net rather than the cost should use the Florida seller net sheet, which subtracts the mortgage payoff as well.
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What the state fixes, and what actually varies
A large share of a Florida closing is not negotiable and not shoppable:
- Documentary stamp tax on the deed — $0.70 per $100 statewide. Miami-Dade is the exception at $0.60 per $100, plus a $0.45 per $100 surtax on property that is not a single-family residence.
- Documentary stamp tax on the note — $0.35 per $100 of the loan.
- Intangible tax on the mortgage — 2 mills, $0.20 per $100 of the loan.
- Title insurance premiums — promulgated by the state and identical at every agency in Florida.
- Recording fees — $10.00 first page, $8.50 each additional.
What varies is the lender's side, the settlement fee, the survey, and the prorations. That is the part worth comparing.
Cash vs. financed
A cash purchase removes the note doc stamps, the intangible tax, the lender's policy and every lender and prepaid item — on the $450,000 example above that is roughly $9,780 of the buyer's $10,710. Cash buyers frequently close for well under 1% of the purchase price. See title insurance for cash buyers.
Does it change by county?
The taxes do not, apart from Miami-Dade's deed stamp rate. What changes county to county is the property tax millage used to prorate taxes, the recording page counts, and which side customarily pays for the owner's policy. Every county has its own calculator with local figures already loaded — pick yours from the Florida title calculators hub.
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Getting your exact number
Percentages get you in the neighborhood; they will not match your settlement statement. The taxes above are exact and computable from the sale price and loan amount, so a real estimate is a matter of arithmetic, not guesswork. Run it yourself with the Florida closing cost calculator, or send us the contract and we will itemize every line before you sign.
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Estimates for illustration, not a quote or legal advice. Statutory tax rates are current for 2026. Lender fees, prepaid amounts, prorations and commission vary by transaction.
