Florida Closing Cost Calculator 2026
Estimate title insurance, recording fees, and escrow costs for Florida residential purchases using state-promulgated rates.
Closing Cost Calculator
Florida • Instant Estimate
Estimate based on current Florida rates. Does not include property taxes, HOA fees, or lender-specific charges. Consult a licensed professional for exact figures.
Example: Closing Costs for a $400,000 Property in 2026
For a $400,000 Florida purchase, title insurance is calculated using promulgated marginal rates: $575 on the first $100k plus $1,500 on the remaining $300k, totaling $2,075.
Florida Title Insurance Promulgated Rates — 2026
| Portion of Purchase Price | Rate per $1,000 |
|---|---|
| First $100,000 | $5.75 |
| $100,001 – $1,000,000 | $5.00 |
| $1,000,001 – $5,000,000 | $2.50 |
Florida Closing Cost FAQ
How is title insurance calculated in Florida?
Florida uses state-promulgated marginal rates: $5.75/k on the first $100k, $5.00/k from $100k–$1M, and $2.50/k from $1M–$5M.
Who pays closing costs in Florida?
The buyer typically pays title insurance and recording fees. The seller pays documentary stamps and owner's title policy. Customs vary by county.
What are typical Florida recording fees?
Florida recording fees average around $250, covering deed and mortgage document filing with the county clerk.