Closing costs in Florida
What a buyer or seller pays at the closing table in Florida — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Florida's actual rates.
- Transfer tax
- 0.7%
- customarily seller-paid
- Recording fee (deed)
- ~$70
- charged per page of the document
- Title insurance
- promulgated
- ~$5.75 / $1,000
- Attorney at closing
- Not required
Florida in the national transfer-tax dataset
0.7%, #10 of 51 nationally; at $400,000, that is $2,160 above the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #10 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- Florida: $2,800
- County coverage
- 18
- 0 with a city-tax field
Florida transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in Florida
The biggest closing-cost variable in Florida is the real-estate transfer tax, which here is 0.7% and is customarily seller-paid. Florida levies documentary stamp tax on the deed at $0.70 per $100 of price (0.70%) in every county except Miami-Dade. Miami-Dade charges $0.60 per $100 (0.60%) plus a $0.45/$100 surtax on non-single-family transfers. By custom the seller pays the deed stamps; the buyer pays the separate doc-stamp + intangible tax on the mortgage.
On a $400,000 home, the state-level transfer tax works out to roughly $2,800 , before any county or city add-ons. County recording fees are charged per page of the document and run around $70 for the deed.
For title insurance, Florida title-insurance premiums are promulgated — set by the state and identical at every company, so you can't shop the premium itself. Florida does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. Lenders here typically charge $1,500–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Fla. Stat. § 201.02. Official source ↗
Florida closing cost calculator
Pre-set to Florida. Adjust your price, down payment and loan type.
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Counties in Florida
County and city taxes can change the total significantly. Open a county for its precise rate.
Frequently asked questions
How much are closing costs in Florida?
In Florida, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0.7%, customarily seller-paid), county recording fees (charged per page of the document, around $70), and title insurance. Florida does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in Florida?
Florida's real-estate transfer tax is 0.7% and is customarily seller-paid. Florida levies documentary stamp tax on the deed at $0.70 per $100 of price (0.70%) in every county except Miami-Dade. Miami-Dade charges $0.60 per $100 (0.60%) plus a $0.45/$100 surtax on non-single-family transfers. By custom the seller pays the deed stamps; the buyer pays the separate doc-stamp + intangible tax on the mortgage.
Who pays closing costs in Florida?
Both buyer and seller pay different items. The transfer tax in Florida is customarily seller-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in Florida?
No. Florida does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Closest transfer-tax comparisons
Algorithmic neighbors by verified transfer-tax rate, not a static related-links block.
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