Buyers
Closing Costs Calculator
Estimate every dollar you'll need at the closing table — doc stamps, title insurance, appraisal, prepaids, and more.
Transaction Details
Estimated Closing Costs
Based on Palm Beach County · Conventional loan
Total Cash to Close
$158,100
$100,000 down payment + $58,100 closing costs
Government Fees & Taxes
Title Insurance
Third-Party Fees
Prepaid Items
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Florida Closing Cost Facts
Seller pays doc stamps on deed
In Florida, it's customary for the seller to pay the doc stamps on the deed — but buyers pay doc stamps on the mortgage note.
Who pays owner's title insurance?
In South Florida (Palm Beach, Broward, Miami-Dade), the seller typically pays owner's title insurance. In other counties, the buyer often pays.
What are prepaids?
Prepaids include the first year of homeowner's insurance, 2–3 months of property taxes into escrow, and prepaid mortgage interest.
Understanding Florida Closing Costs
Florida buyers typically pay between 2% and 5% of the purchase price in closing costs, in addition to their down payment. Florida is unique in that it levies a documentary stamp tax on the deed (paid by the seller) and on the mortgage note (paid by the buyer), plus an intangible tax of 0.2% on the mortgage amount.
Title insurance in Florida is regulated by the state with promulgated rates. The owner's policy protects you against title defects; the lender's policy (simultaneous issue) is issued at a deeply discounted rate.
Estimates above are approximations. Your Loan Estimate (issued within 3 business days of application) will contain the legally binding cost breakdown for your specific transaction.