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Florida Closing Cost Estimator

Estimate Florida doc stamps, intangible tax and promulgated title insurance, then buyer cash to close and seller net proceeds.

The sale
Example value. Replace with your price.
Enter 0 for a cash purchase.

Who pays these is set by your contract and can be negotiated. Match the contract you’re using.

Buyer’s other costs
Seller’s other costs
Commissions are negotiable and set by agreement.

Florida taxes & title

Doc stamps on the deed ($0.70 per $100)—
Doc stamps on the note ($0.35 per $100)—
Intangible tax on the mortgage (0.2%)—
Owner’s title policy (promulgated rate)—
Lender’s title policy (simultaneous issue)—

Buyer

—

Cash to close (incl. down payment): —

Seller

—

Estimated net proceeds: —

Estimates only. These calculators are for education, not a loan estimate, tax bill, or legal advice. Your lender’s Loan Estimate, your closing agent’s settlement statement, and the St. Lucie County Property Appraiser are the final word. Figures are calculated in your browser; nothing you type is sent anywhere.

How this is calculated

  • Doc stamps on the deed: 70 cents on each $100 or portion of the price, in every Florida county except Miami-Dade (Florida Dept. of Revenue). All parties to the document are liable for the tax, whichever party agrees to pay it.
  • Doc stamps on the note: 35 cents per $100 or portion of the loan amount (Florida Dept. of Revenue).
  • Intangible tax: 2 mills (0.2%) of the mortgage amount (Florida Dept. of Revenue).
  • Title insurance: Florida sets title premiums by rule. The original owner’s rate is $5.75 per $1,000 for the first $100,000 and $5.00 per $1,000 from $100,000 to $1 million (then $2.50 to $5 million), with a $100 minimum. A lender’s policy issued at the same time costs $25 if it doesn’t exceed the owner’s policy (Florida DFS, Rule 69O-186.003). Reissue rates, endorsements, and title agent fees are not included; ask your closing agent.

Sources: Florida Dept. of Revenue: Documentary Stamp Tax; Florida Dept. of Revenue: Nonrecurring Intangible Tax; Florida DFS: Title Insurance Overview; Fla. Admin. Code R. 69O-186.003 (title insurance rates).

Run the numbers

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Numbers look different once there’s a real home involved. Send me the address or price range and I’ll walk you through the real costs, line by line.

Answered by Isaiah James, a licensed Florida real estate agent. A real person, not a chatbot.

Isaiah James · Coldwell Banker Realty

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