Buyer & Seller Tools
Closing costs, without the surprise.
Florida closing costs — doc stamps, intangible tax, the promulgated owner's title schedule, prepaid tax and insurance — all line-itemed so you know what you're actually signing at the table.
Your inputs
Total buyer closing costs
$55,049
Cash to close (with down payment): $455,049
Loan origination (0.75%)$12,000.00
Appraisal$500.00
Credit report$50.00
Owner's title insurance$7,575.00
Lender's title insurance$250.00
Title search$200.00
Recording fees$150.00
Doc stamps on note ($0.35/$100)$5,600.00
Intangible tax (0.20%)$3,200.00
Prepaid property tax (6 months)$11,000.00
Prepaid insurance (12 months)$8,000.00
Prepaid interest (~15 days)$4,273.97
HOA estoppel$300.00
Inspection$500.00
Survey$450.00
Attorney (optional)$1,000.00
Estimates only. Actual closing costs vary based on lender, title company, and property specifics. Florida title insurance uses the promulgated rate; luxury transactions over $5M drop to lower tiers.
Questions?
Want a real net sheet from a real title company?
This calculator is the starting point. For a property-specific net sheet with Fidelity National Title numbers — the same ones you'll see on the Closing Disclosure — Ryan can have one pulled in an hour.