Florida closing math · 2026 rates
Florida closing cost calculators.
Deed doc stamps, note stamps and intangible tax, recording fees, and the promulgated title premium — the same math GoodCloser runs on every settlement statement.
Your deal
Estimated closing costs (financed purchase)
Collier CountyWho customarily pays in Collier
Owner's title insurance policy Collier is a buyer-pays county by custom — the buyer pays the owner's premium and usually chooses the closing agent. | Buyer |
Closing / settlement agent choice Whoever customarily pays for the owner's policy usually picks the closing agent. | Buyer |
Documentary stamps on the deed FS 201.02 — a seller charge by custom statewide ($0.70/$100; Miami-Dade differs). | Seller |
Lender's title policy Borrower's cost — often just the $25 simultaneous-issue rate alongside the owner's policy. | Buyer |
Documentary stamps on the note FS 201.08 — charged on a new promissory note; a borrower cost. | Buyer |
Intangible tax on the mortgage FS 199.133 — $2 per $1,000 of a new mortgage; a borrower cost. | Buyer |
Recording the deed Buyer customarily pays to record the deed and perfect title. | Buyer |
Recording the mortgage Borrower's loan document; recorded at the buyer's cost. | Buyer |
Survey Buyer's due diligence by custom, when one is ordered. | Buyer |
HOA / condo estoppel Seller provides an estoppel showing dues are current. | Seller |
Florida customs, not rules — every item is negotiable in the purchase contract (FAR/BAR ¶9). Confirm the split on the contract and settlement statement.
Estimates only — not a quote, not legal or tax advice, and not a commitment to insure. Rates and county practices change (Miami-Dade in particular has its own deed-tax rules); verify every figure with your closing agent before relying on it.
This is the easy 5%.
GoodCloser runs the other 95% — balanced settlement statements, prorations, wire safety, recording, and disbursement — for modern title agencies.
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loading="lazy"></iframe>Florida closing-cost questions, answered
Who pays documentary stamps on the deed in Florida?
By custom the seller pays deed doc stamps ($0.70 per $100 of the sale price), but the purchase contract controls — the parties can allocate it differently. Miami-Dade County has its own deed-tax structure, including a $0.45/$100 surtax on transfers other than single-family residences.
Who pays for title insurance in Florida — buyer or seller?
It's customary, and it varies by county. In most Florida counties the seller pays for the owner's title policy and picks the closing agent. In Miami-Dade, Broward, Sarasota, and Collier the buyer customarily pays and chooses; Monroe varies (buyer in the Upper Keys). It's always negotiable in the contract — pick your county in the calculator to see the local default and full who-pays breakdown.
What taxes does a buyer with a mortgage pay?
Two: documentary stamps on the promissory note at $0.35 per $100 of the loan (rounded up to the nearest $100), and the nonrecurring intangible tax at $2 per $1,000 of a new mortgage.
How are Florida recording fees calculated?
Under FL §28.24 the clerk charges $10.00 for the first page and $8.50 for each additional page, per instrument. A closing usually records at least a deed and, with a loan, a mortgage.
Are Florida title insurance rates negotiable?
The premium itself is promulgated by the state (Rule 69O-186.003), so the rate is the same everywhere — what varies is closing fees, and whether you receive credits like the reissue credit or the $25 simultaneous-issue lender's policy.
Estimates only — figures are informational, not a quote or a commitment to insure, and not legal or tax advice. Verify all amounts with your closing agent.