Florida Buyer Closing Cost Calculator

Closing costs land on top of your down payment, and in Florida two of the biggest lines are state taxes on your financing. This calculator estimates the documentary stamps on your note, the intangible tax on your mortgage, title insurance at the promulgated rate, escrows, and prepaids, then shows your full cash to close. Built by the real estate attorneys at KEW Legal®.

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Estimate Your Cash to Close

Fill in what you know. Cash buyers can skip the loan questions, and every dollar field accepts 0.

Florida Buyer Closing Cost Calculator 2026

Estimate what you will need at the closing table beyond your down payment when buying Florida property. Enter your numbers, press Calculate My Closing Costs, and you will see the state taxes on your loan, title insurance, and the other line items, using the current Florida rates. Nothing is sent to us unless you choose to share your results at the end.

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Share your details and the KEW Legal team will review your estimate and follow up about your purchase. No cost, no obligation.

The 2026 Florida Numbers Behind This Calculator

  • Documentary Stamps on the Note: $0.35 per $100 of your loan amount, in every Florida county. When the note is secured by a recorded mortgage on Florida property there is no cap, so the tax scales with your financing.

  • Intangible Tax on the Mortgage: A one-time state tax of two mills, which works out to $2 per $1,000 of the mortgage amount, collected when the mortgage is recorded.

  • Title Insurance at Promulgated Rates: The owner’s premium is set by state rule: $5.75 per $1,000 on the first $100,000 and $5.00 per $1,000 up to $1 million. When a lender’s policy is issued at the same time, the simultaneous issue rate is typically a flat $25.

  • Prepaids and Escrows: Lenders collect your first year of insurance plus escrow cushions for insurance and property taxes at closing. The seller normally credits you for their unpaid share of the tax year, which offsets part of it.

Buyer Closing Cost Questions

How much are buyer closing costs in Florida?

Plan on roughly two to five percent of the purchase price before prepaids and escrows, with financed purchases at the higher end because of the note stamps and intangible tax. The calculator above replaces that range with your actual line items.

What is the Florida intangible tax?

It is a one-time state tax of $2 per $1,000 on any new mortgage recorded against Florida property. Together with the $0.35 per $100 documentary stamps on the note, it is why financed closings cost noticeably more than cash ones here.

Do cash buyers pay closing costs?

Yes, just fewer of them. Cash skips the note stamps, the intangible tax, the lender's title policy, and escrow deposits, but title, settlement, inspection, and recording costs still apply. Switch the calculator to cash to see the difference.

Should a buyer have an attorney at a Florida closing?

Florida allows an attorney to act as the closing agent, and having one on your side means the contract, the title commitment, and the closing statement are all reviewed by someone who represents you rather than the transaction. For most buyers it costs little more than a title company closing.

Selling at the Same Time?

Run the seller side of the deal too. The seller calculator covers the deed doc stamps, title custom, commission, payoffs, and your estimated net proceeds.

SELLER NET PROCEEDS CALCULATOR

Ready to Close with Confidence?

Talk to a KEW Legal® real estate attorney before you sign. Call 305-990-2300 or schedule a consultation online.

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This calculator provides an educational estimate based on published Florida rates as of 2026. It is not a quote, a Loan Estimate, or legal advice, and actual figures depend on your contract, your lender, and your closing agent. Using it does not create an attorney-client relationship with KEW Legal®.