Florida Closing Cost Calculator 2026
Estimate title insurance, documentary stamp taxes, intangible tax, recording fees, and escrow costs for Florida residential purchases — with clear seller vs. buyer breakdowns.
Closing Cost Calculator
Florida • Instant Estimate
Default: 80% of purchase price (20% down). Adjust to match your actual loan amount.
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 $1,000,000 Property (80% Loan) in 2026
For a $1,000,000 Florida purchase with an $800,000 mortgage (20% down), closing costs are split between seller and buyer. Note that documentary stamp taxes on the deed apply to the sale price, while mortgage stamps and intangible tax apply to the loan amount.
💡 The mortgage doc stamps and intangible tax are calculated on the loan amount ($800,000), not the sale price. If you're paying all cash (no mortgage), these two taxes do not apply.
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 Documentary Stamp & Intangible Tax Rates — 2026
| Tax | Applies To | Rate | Paid By |
|---|---|---|---|
| Doc Stamps (Deed) | Sale Price | 0.70% | Seller |
| Doc Stamps (Mortgage) | Loan Amount | 0.35% | Buyer |
| Intangible Tax | Loan Amount | 0.20% | Buyer |
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.
What are Florida documentary stamp taxes?
Florida has two doc stamp taxes: Deed doc stamps (0.70%) apply to the sale price and are paid by the seller. Mortgage doc stamps (0.35%) apply to the loan amount and are paid by the buyer. In Miami-Dade County, the deed rate is 0.60% instead of 0.70%.
What is the Florida intangible tax?
The intangible tax is 0.20% applied to the mortgage/loan amount (not the sale price). It's a one-time tax paid at closing, customarily by the buyer. Cash purchases with no mortgage do not incur this tax.
Who pays closing costs in Florida?
The seller customarily pays deed doc stamps (0.70% of sale price). The buyer customarily pays mortgage doc stamps (0.35% of loan), intangible tax (0.20% of loan), title insurance, and recording fees. Customs can 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.