TallyClose

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.

Florida neighborhood closing-cost photography
Source-verified · 2026-Q2Fla. Stat. § 201.02 Official source ↗
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.

$
%

Estimated closing costs

$9,385

≈ 2.35% of the home price · excludes your down payment

Cash to close

$89,385

incl. down payment

0 of 3 line items settled

Based on dataset June 2026. View rule changes

Get notified when this dataset is revised

One email when the rates and rules behind this estimate change — nothing else. Your figures never leave this browser. Privacy policy

Line-by-line breakdown

Transfer tax (buyer share) verified source $0
Deed & mortgage recording fees verified source $70
Owner's title insurance estimate $2,300
Lender's title insurance estimate $1,288
Lender fees (origination, underwriting, processing) $2,350
Appraisal $550
Credit report & flood cert $70
Home inspection $450
Homeowners insurance (first year) $1,800
Property-tax escrow (~2 months) estimate $507

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.

See all 50 states + DC →