Florida closing costs, line by line

Florida taxes the deed, the loan and the mortgage separately, and the state sets title insurance prices. That makes most of the closing statement predictable before you sign a contract.

Estimated cash to close (down payment + buyer costs)—

Excludes prorated taxes, HOA estoppel fees, prepaid interest and escrow deposits.

The Florida-specific costs

Doc stamps on the deed: $0.70 per $100 of the price, usually paid by the seller. Miami-Dade charges $0.60, plus a $0.45 surtax unless the property is a single-family home.
Doc stamps on the note: $0.35 per $100 of the loan, paid by the buyer.
Intangible tax: 0.2% of the new mortgage, paid by the buyer.
Title insurance: the state sets the premium. The owner's policy is $5.75 per $1,000 up to $100,000 and $5.00 per $1,000 from $100,000 to $1 million. The lender's policy issued at the same time costs $25.

Commissions after the 2024 changes

Buyer's broker pay is now agreed in writing before showings and is no longer offered through the MLS. A seller may still agree to cover it, but it is negotiable. Set the percentages and who pays to match your deal.

Sources

Rates checked: October 2026

Questions about this? Ask me directly.

I read every message myself and reply within one business day, in English or Russian. No newsletters, no spam.

Or call / text: (754) 203-9632 · info@danmarusinhomes.com