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Miami-Dade County closing costs

The county-specific transfer tax and deed recording fees for Miami-Dade County, Florida — the local details that change your total beyond the statewide rate.

Source-verified · 2026-Q2FIPS 12086 Official source ↗
Effective transfer tax
0.6%
≈ $2,400 on a $400,000 home

Transfer tax in Miami-Dade County

Miami-Dade is the ONE Florida county with a different deed stamp rate. Single-family homes avoid the surtax.

Recording fees in Miami-Dade County

Documentary stamp tax on deeds is $0.60 per $100 (0.60%) in Miami-Dade, plus a $0.45 per $100 surtax on transfers other than single-family residences. Recording $10 first page, $8.50 each additional.

Official recorder: Miami-Dade County recorder ↗ — the authoritative source for the current recording fee schedule.

Estimate your Miami-Dade County closing costs

Pre-set to Florida. County-level taxes above may add to this estimate.

$
%

Estimated closing costs

$9,611

≈ 2.4% of the home price · excludes your down payment

Cash to close

$89,611

incl. down payment

Line-by-line breakdown

Transfer tax (buyer share) $0
Deed & mortgage recording fees $70
Owner's title insurance $2,300
Lender's title insurance $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) $733

Frequently asked questions

What is the transfer tax in Miami-Dade County?

Miami-Dade County (Florida): the applicable real-estate transfer tax works out to about 0.6%. Miami-Dade is the ONE Florida county with a different deed stamp rate. Single-family homes avoid the surtax.

What are recording fees in Miami-Dade County?

Documentary stamp tax on deeds is $0.60 per $100 (0.60%) in Miami-Dade, plus a $0.45 per $100 surtax on transfers other than single-family residences. Recording $10 first page, $8.50 each additional.

How much are closing costs in Miami-Dade County?

Closing costs in Miami-Dade County follow Florida's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.

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