How Much Are Closing Costs in Florida? (2026 Complete Guide)

Florida is one of the most active real estate markets in the United States. But many buyers and sellers are caught off guard by closing costs — the fees you pay on top of the purchase price to actually complete the transaction.

In this guide we break down exactly what closing costs look like in Florida in 2026, who pays what, and how you can reduce the amount you owe at the closing table.

What Are Closing Costs?

Closing costs are the fees and expenses that buyers and sellers pay when a real estate transaction is completed. They cover things like lender fees, title insurance, government taxes, and prepaid expenses like homeowners insurance and property tax escrow.

In most US states, total closing costs for buyers run between 2% and 5% of the purchase price. Sellers typically pay more — between 6% and 10% — primarily because of real estate agent commissions.

How Much Are Closing Costs in Florida for Buyers?

For a buyer purchasing a $400,000 home in Florida with a conventional loan, here is what typical closing costs look like:

Lender fees

• Loan origination fee: $1,000 - $4,000
• Appraisal fee: $400 - $600
• Credit report fee: $25 - $50
• Underwriting fee: $400 - $900

Title and settlement fees

• Title search: $150 - $300
• Title insurance (owner's policy): $1,500 - $2,500
• Settlement or closing fee: $500 - $900

Government fees and taxes

• Documentary stamp tax on the mortgage: $0.35 per $100 of the loan amount. On a $320,000 loan this is $1,120.
• Intangible tax on the mortgage: $0.002 per dollar of the loan amount. On a $320,000 loan this is $640.
• Recording fees: $10 - $200

Prepaid expenses

• Homeowners insurance (first year): $1,500 - $4,000
• Property tax escrow (2-3 months prepaid): varies by county
• Prepaid interest: depends on closing date

For a $400,000 purchase in Florida, total buyer closing costs typically range from $8,000 to $18,000.

Florida Documentary Stamp Tax Explained

Florida charges doc stamps on two things:

Doc stamps on the deed — paid by the seller in most Florida counties. The rate is $0.70 per $100 of the purchase price. On a $400,000 sale this is $2,800. In Miami-Dade County the rate is different.

Doc stamps on the mortgage — paid by the buyer. The rate is $0.35 per $100 of the loan amount. On a $320,000 mortgage this is $1,120.

Florida also charges an intangible tax on new mortgages at $0.002 per dollar of the loan amount. On a $320,000 mortgage this adds $640.

Title Insurance in Florida

Florida is a title insurance state. The owner's title insurance policy on a $400,000 purchase typically costs around $2,000.

In Florida it is customary for the seller to pay for the owner's title insurance policy in most counties. However in Miami-Dade, Broward, Sarasota, and Collier counties it is more common for the buyer to pay.

How Much Are Closing Costs in Florida for Sellers?

Real estate agent commission — traditionally 5-6% of the sale price. On a $400,000 sale this is $20,000 to $24,000.

Documentary stamp tax on the deed — $0.70 per $100 of the sale price. On $400,000 this is $2,800.

Title insurance — approximately $2,000 on a $400,000 sale if seller is paying.

Title search and settlement fees — typically $500 to $1,000.

Total seller closing costs in Florida excluding agent commission typically run $4,000 to $6,000 on a $400,000 sale. Including agent commission the total can reach $26,000 to $30,000.

How to Reduce Closing Costs in Florida

Shop multiple lenders — getting quotes from at least three lenders can save $1,000 to $3,000 in fees.

Negotiate with the seller — ask the seller to cover some closing costs as a concession. This is very common in Florida.

Close at the end of the month — closing on the 28th instead of the 2nd can save several hundred dollars in prepaid interest.

Negotiate agent commission — commissions are negotiable. Reducing from 5.5% to 4.5% saves $4,000 on a $400,000 sale.

Use a no closing cost mortgage — some lenders offer mortgages with no upfront closing costs in exchange for a slightly higher interest rate.

First Time Buyer Programs in Florida

Florida Housing Finance Corporation — offers down payment assistance and closing cost help to eligible first time buyers.

Florida Assist Loan — provides up to $10,000 in down payment and closing cost assistance as a deferred second mortgage with no monthly payments.

Local government programs — many Florida counties and cities offer additional closing cost assistance. Check with your local housing authority.

Calculate Your Florida Closing Costs

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