Florida Real Estate Tool

Closing Cost & Title Insurance Estimator

See an itemized estimate of Florida buyer and seller closing costs — including the promulgated owner’s title insurance premium, transfer taxes, recording, and settlement fees.

Transaction details

Estimate costs for

Purchase price

Property is in Miami-Dade County

Owner’s title policy paid by

In Florida this is negotiable and varies by county custom.

Buyer is financing with a mortgage

Loan amount

Include a survey

Adjust service-fee estimates

Settlement / closing fee

Title search & exam

Survey

Estimated buyer closing costs

$4,105

Buyer ~$4,105 · Seller ~$9,275 · Total $13,380

Settlement / closing feeTitle company / attorney$595.00

Recording — deedCounty clerk$18.50

Note documentary stamps$0.35 per $100 of loan$1,837.50

Intangible tax on mortgage2 mills ($0.002 per $1) of loan$1,050.00

Lender's title policySimultaneous-issue rate$25.00

Recording — mortgageCounty clerk$129.00

SurveyOptional but commonly required$450.00

Buyer total$4,105

Talk to an attorney Transfer tax detail

Estimate only. Documentary stamp tax, intangible tax, and the owner’s title insurance premium are calculated using Florida’s statutory and promulgated rates. Settlement, title search, survey, and recording amounts are typical estimates that vary by provider, county, and transaction. Who pays each item is negotiable and varies by local custom. This tool does not include lender fees, prepaid items (taxes, insurance, interest), HOA/estoppel charges, or prorations, and is not legal, tax, or financial advice.