Florida buyer closing costs and cash to close
A Florida buyer pays about $8,147 in closing costs on a $370,000 home with 20% down. That is 2.2% of the price. Prepaids add about $4,184. Cash to close is about $84,689.
See the lender fees, title, mortgage taxes, prepaids and down payment on a typical home loan.
Rates last checked September 2026. Reviewed by Harrison Farrell, founder. How we get these numbers
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| Documentary stamp tax on note (new mortgage) | $1,036 |
| Intangible tax on new mortgage | $592 |
| Deed recording fee | $19 |
| Mortgage recording fee | $130 |
| Down payment (20%) | $74,000 |
| Title insurance and settlement | $1,150 |
| Other closing fees | $550 |
| Lender fees | $4,670 |
| Prepaids and escrow reserves | $4,184 |
| Property tax credit from seller | −$1,642 |
| Estimated cash to close | $84,689 |
- Closing costs on $370,000
- About $8,147
- Owner's title policy
- Seller pays
- Cash to close, 20% down
- About $84,689
How much are buyer closing costs in Florida?
About $8,147 on a $370,000 home with a $296,000 loan. That is 2.2% of the price. Prepaids add about $4,184. $370,000 is close to the typical Florida home value (the Census median, weighted by county).
| Line | Buyer |
|---|---|
| Down payment (20%) | $74,000 |
| Documentary stamp tax on note (new mortgage) | $1,036 |
| Intangible tax on new mortgage | $592 |
| Lender's title insurance policy | $25 |
| Lender-required endorsements | $175 |
| Settlement / closing fee | $550 |
| Survey | $400 |
| Deed recording fee | $18.50 |
| Mortgage recording fee | $130 |
| Home inspection | $450 |
| WDO (termite) inspection | $100 |
| Loan origination (1%) | $2,960 |
| Appraisal | $550 |
| Credit report | $60 |
| Underwriting / processing | $995 |
| Flood certification | $25 |
| Tax service fee | $80 |
| Closing costs | $8,146.50 |
| Prepaid interest | $1,634.08 |
| Homeowner's insurance (12 months) | $1,480 |
| Insurance escrow reserve (2 mo) | $246.67 |
| Property tax escrow reserve (3 mo) | $823.25 |
| Prepaids and escrow reserves | $4,184 |
| Property tax credit from seller | −$1,641.99 |
| Estimated cash to close | $84,688.51 |
Run it with your own numbers. Pick the county, loan type, rate and closing date.
Does Florida tax the buyer's mortgage?
Yes. Florida taxes the new mortgage: Documentary stamp tax on note (new mortgage) at $0.35 per $100; Intangible tax on new mortgage at $2.00 per $1,000. On the $296,000 loan above, that adds about $1,628 to the buyer's side. Cash buyers do not pay it.
How much are buyer closing costs in each Florida county?
On a $370,000 home, buyer closing costs run from about $8,147 in Alachua County to about $10,272 in Broward County. The main reason is the owner's title policy. By custom the buyer pays for all or half of it in 4 of 67 Florida counties. These include Broward County, Collier County, Miami-Dade County and Sarasota County.
| County | Owner's title paid by | Buyer closing costs | Cash to close |
|---|---|---|---|
| Alachua County | Seller | $8,147 | $84,495 |
| Baker County | Seller | $8,147 | $84,817 |
| Bay County | Seller | $8,147 | $84,863 |
| Bradford County | Seller | $8,147 | $84,725 |
| Brevard County | Seller | $8,147 | $84,725 |
| Broward County | Buyer | $10,272 | $86,666 |
| Calhoun County | Seller | $8,147 | $84,863 |
| Charlotte County | Seller | $8,147 | $84,633 |
| Citrus County | Seller | $8,147 | $84,817 |
| Clay County | Seller | $8,147 | $84,679 |
| Collier County | Buyer | $10,272 | $87,034 |
| Columbia County | Seller | $8,147 | $84,725 |
| DeSoto County | Seller | $8,147 | $84,587 |
| Dixie County | Seller | $8,147 | $84,771 |
| Duval County | Seller | $8,147 | $84,633 |
| Escambia County | Seller | $8,147 | $84,771 |
| Flagler County | Seller | $8,147 | $84,725 |
| Franklin County | Seller | $8,147 | $85,001 |
| Gadsden County | Seller | $8,147 | $84,679 |
| Gilchrist County | Seller | $8,147 | $84,725 |
| Glades County | Seller | $8,147 | $84,633 |
| Gulf County | Seller | $8,147 | $84,909 |
| Hamilton County | Seller | $8,147 | $84,633 |
| Hardee County | Seller | $8,147 | $84,587 |
| Hendry County | Seller | $8,147 | $84,495 |
| Hernando County | Seller | $8,147 | $84,679 |
| Highlands County | Seller | $8,147 | $84,679 |
| Hillsborough County | Seller | $8,147 | $84,587 |
| Holmes County | Seller | $8,147 | $84,863 |
| Indian River County | Seller | $8,147 | $84,817 |
| Jackson County | Seller | $8,147 | $84,817 |
| Jefferson County | Seller | $8,147 | $84,725 |
| Lafayette County | Seller | $8,147 | $84,771 |
| Lake County | Seller | $8,147 | $84,725 |
| Lee County | Seller | $8,147 | $84,725 |
| Leon County | Seller | $8,147 | $84,633 |
| Levy County | Seller | $8,147 | $84,725 |
| Liberty County | Seller | $8,147 | $84,725 |
| Madison County | Seller | $8,147 | $84,725 |
| Manatee County | Seller | $8,147 | $84,725 |
| Marion County | Seller | $8,147 | $84,725 |
| Martin County | Seller | $8,147 | $84,725 |
| Miami-Dade County | Buyer | $10,272 | $86,712 |
| Monroe County | Seller | $8,147 | $85,001 |
| Nassau County | Seller | $8,147 | $84,771 |
| Okaloosa County | Seller | $8,147 | $84,955 |
| Okeechobee County | Seller | $8,147 | $84,587 |
| Orange County | Seller | $8,147 | $84,633 |
| Osceola County | Seller | $8,147 | $84,633 |
| Palm Beach County | Seller | $8,147 | $84,587 |
| Pasco County | Seller | $8,147 | $84,633 |
| Pinellas County | Seller | $8,147 | $84,679 |
| Polk County | Seller | $8,147 | $84,679 |
| Putnam County | Seller | $8,147 | $84,587 |
| Santa Rosa County | Seller | $8,147 | $84,909 |
| Sarasota County | Buyer | $10,272 | $86,896 |
| Seminole County | Seller | $8,147 | $84,725 |
| St. Johns County | Seller | $8,147 | $84,771 |
| St. Lucie County | Seller | $8,147 | $84,449 |
| Sumter County | Seller | $8,147 | $84,725 |
| Suwannee County | Seller | $8,147 | $84,679 |
| Taylor County | Seller | $8,147 | $84,679 |
| Union County | Seller | $8,147 | $84,633 |
| Volusia County | Seller | $8,147 | $84,633 |
| Wakulla County | Seller | $8,147 | $84,817 |
| Walton County | Seller | $8,147 | $85,093 |
| Washington County | Seller | $8,147 | $84,817 |
What does a buyer pay at closing in Florida?
The buyer pays the lender fees and the lender's title policy. The seller usually pays for the owner's title policy in most of Florida: 63 of 67 counties. In Broward County, Collier County, Miami-Dade County and Sarasota County, the buyer usually pays for it. See the county table. In Florida, the state sets title insurance rates. So the owner's policy costs the same at every title company.
What else changes a Florida buyer's costs?
- The homestead exemption and the Save Our Homes cap do not pass to the buyer. The county resets the value to market on the January 1 after the sale. So the seller's tax bill can be lower than what the buyer will pay. Sellers who move within Florida can often take part of their savings to the next home.
- The FAR/BAR contracts split property taxes using this year's bill with the largest (November) discount. Florida taxes are paid in arrears. So the seller credits the buyer from January 1 through the day before closing.
- Documentary stamp tax on the deed is $0.70 per $100 everywhere but Miami-Dade County. Miami-Dade charges $0.60 per $100 on single-family homes and condo units. It adds a $0.45 surtax on multi-family, commercial and vacant land. The seller pays it by custom.
Florida buyer closing cost questions
How much are buyer closing costs in Florida?
About $8,147 on a $370,000 home with 20% down. That is 2.2% of the price. Prepaid insurance, interest and escrow add about $4,184. Cash to close is about $84,689. That counts the $74,000 down payment and takes off the seller's $1,642 tax credit.
Does the buyer pay transfer tax in Florida?
By custom, no. The transfer tax is a seller cost in Florida.
What mortgage taxes does a Florida buyer pay?
Florida charges the documentary stamp tax on note (new mortgage) ($0.35 per $100) and the intangible tax on new mortgage ($2.00 per $1,000). On a $296,000 loan that is about $1,628. The buyer pays it.
Who pays for the owner's title policy in Florida?
The seller usually pays for the owner's title policy in most of Florida: 63 of 67 counties. In Broward County, Collier County, Miami-Dade County and Sarasota County, the buyer usually pays for it. See the county table.
What is the difference between closing costs and cash to close?
Closing costs are the fees and taxes for the loan, title and recording. Cash to close is all the money you bring. It adds your down payment. It adds prepaids, like home insurance, interest and escrow. Then it takes off credits. Those include the seller's property tax credit and the earnest money you already paid.
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