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Quick answer — Florida closing costs
For a $400,000 home in Miami-Dade with $320,000 financed (20% down), this model estimates $20,816 in buyer closing costs (5.2% of price) — deed stamps $4,600, note stamps $1,120, prepaids $6,186. Cash to close ≈ $100,816 (down + closing). Broward demo: $18,916. Educational estimate — not a quote.
Free Florida closing cost calculator for buyers — documentary stamps, title, lender fees, and prepaids. See also closing cost estimator and first-time buyer closing costs.
Last updated October 9, 2026. Who pays deed vs note tax is negotiable — verify on your contract.
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$20,816
All closing costs combined
$2,237
Principal and interest
Miami Dade
Location-specific fees
Review each line on your Closing Disclosure; compare lenders and title companies.
| Category | Item | Amount | Description |
|---|---|---|---|
| Lender Fees | Origination Fee | $3,840 | Loan processing and underwriting |
| Lender Fees | Application Fee | $2,560 | Loan application processing |
| Title Fees | Title Insurance | $840 | Owner/lender title policy (illustrative) |
| Title Fees | Title Search | $360 | Title exam and settlement |
| Government Fees | Deed documentary stamps | $4,600 | State 0.70% + Miami-Dade surtax 0.45% |
| Government Fees | Note documentary stamps | $1,120 | Mortgage/note doc stamps 0.35% of loan amount |
| Government Fees | Recording Fee | $10 | County recording (illustrative) |
| Prepaid Expenses | Property Taxes | $4,000 | 6 months escrow estimate |
| Prepaid Expenses | Homeowners Insurance | $1,200 | 1-year premium estimate |
| Prepaid Expenses | Prepaid Interest | $986 | ~15 days per-diem interest |
| Other Fees | Appraisal Fee | $500 | Property value assessment |
| Other Fees | Inspection Fee | $400 | Home inspection |
| Other Fees | Survey Fee | $300 | Boundary survey |
| Other Fees | Flood Certification | $50 | Flood zone determination |
| Other Fees | Credit Report | $50 | Credit pull |
Miami-Dade, 20% down, 80% financed — same assumptions as the calculator defaults. Includes lender fees, title, documentary stamps, prepaids, and third-party fees.
| Purchase price | Loan (80%) | Est. closing costs | Cash to close | % of price |
|---|---|---|---|---|
| $300,000 | $240,000 | $16,240 | $76,240 | 5.4% |
| $400,000 | $320,000 | $20,816 | $100,816 | 5.2% |
| $500,000 | $400,000 | $25,393 | $125,393 | 5.1% |
| $600,000 | $480,000 | $29,969 | $149,969 | 5.0% |
Same price, loan, and prepaids — deed documentary stamps drive most of the spread (Miami-Dade surtax).
| County | Deed doc stamps | Title (model) | Total closing | % of price |
|---|---|---|---|---|
| Miami-Dade | $4,600 | $1,200 | $20,816 | 5.2% |
| Broward | $2,800 | $1,100 | $18,916 | 4.7% |
| Palm Beach | $2,800 | $1,000 | $18,816 | 4.7% |
| Hillsborough (Tampa) | $2,800 | $950 | $18,766 | 4.7% |
| Orange (Orlando) | $2,800 | $950 | $18,766 | 4.7% |
| Other FL county | $2,800 | $900 | $18,716 | 4.7% |
Florida fees
Transfer Tax + Doc Stamp Tax
Calculate Florida-specific closing costs and fees
Real estate costs
Transaction Analysis
Calculate Florida real estate transaction costs
County variations
Miami-Dade, Broward, Palm Beach
Calculate Florida home closing costs by county
Mortgage costs
Loan Fees + Taxes
Calculate Florida mortgage closing costs and fees
Property types
Single Family, Condo, Townhouse
Calculate Florida property closing costs by type
Benefits included
First-Time Buyer + Veterans
Estimate Florida closing costs with benefits
$400,000 Miami-Dade home, $320,000 loan (20% down):
Closing costs
$20,816
Deed doc stamps
$4,600
Note doc stamps
$1,120
Cash to close
$100,816
This tool sums buyer-side charges you should verify on your Closing Disclosure: lender charges, title/settlement, Florida documentary stamp taxes, recording, prepaids (taxes, insurance, per-diem interest), and common third-party fees. Deed stamps use the state rate plus Miami-Dade’s surtax when that county is selected.
Deed doc stamps = price × (0.70% + Miami-Dade surtax if applicable)
Note doc stamps = loan × 0.35%
Total closing ≈ lender + title + government + prepaids + third-party + adjustments
Cash to close = down payment + total closing
Demo ($400,000, Miami-Dade): deed $4,600, note $1,120, lender $6,400, title $1,200, prepaids $6,186, other $1,300 → $20,816 (5.2% of price).
Florida levies documentary stamp tax on deeds and on mortgages/notes. Rates are set in statute; Miami-Dade adds a county surtax on deeds. Purchase contracts often assign deed stamps to the seller and note stamps to the buyer, but allocations vary — this calculator includes both in the buyer cash-to-close estimate for conservative budgeting unless your contract says otherwise.
Need help with other real estate calculations? Check out our mortgage comparison calculator and rental ROI calculator.
Get Custom Calculator for Your PlatformResult: total closing costs = $20,816 · cash to close = $100,816
Review each line on your Closing Disclosure; compare lenders and title companies.
Same price and loan — no Miami-Dade surtax
$18,916 (4.7%)
Illustrative −$500 adjustment in this model
$20,316 (5.1%)
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