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Guide

Closing costs in Florida

Here are the main closing costs in a Florida home sale, with the official tax rates and where they come from.

Last reviewed: October 22, 2026. Laws, tax rates and programs change — confirm details with the official sources below and your lender, title company, insurance agent or attorney. This guide is general information, not legal or tax advice.

Documentary stamp tax on the deed

Florida charges documentary stamp tax on deeds at $0.70 per $100 of the sale price (rounded up to the nearest $100). In Miami-Dade County the rate is $0.60 per $100, plus a $0.45 per $100 surtax that applies unless the property is a single-family residence. Who pays is negotiable; in much of Florida the seller customarily pays.

Taxes on a new mortgage

When a buyer finances, Florida charges documentary stamp tax on the note at $0.35 per $100 of the loan amount and nonrecurring intangible tax of 0.2% (2 mills) of the mortgage amount. These usually appear on the buyer’s side of the Closing Disclosure.

Title insurance

Title insurance premiums in Florida are set by rule under state regulation, so the premium itself is the same across companies for a given amount; related fees (search, closing/settlement) can vary. Who pays for the owner’s policy is negotiable and customs differ by county.

Lender and prepaid costs (buyers)

Loan origination or points, appraisal, credit report, prepaid interest, and escrow deposits for property taxes and insurance. Your Loan Estimate and Closing Disclosure itemize them.

Other common items

Recording fees, survey, HOA or condo estoppel and transfer fees, home inspection and wind-mitigation report (buyer), and prorated property taxes between buyer and seller.

Frequently asked questions

Who pays doc stamps in Miami-Dade?

It’s negotiable in the contract. By custom the seller often pays the deed doc stamps; the buyer pays the doc stamps and intangible tax on a new mortgage.

How do I calculate deed doc stamps?

Outside Miami-Dade: price ÷ 100 × $0.70. In Miami-Dade: price ÷ 100 × $0.60, plus price ÷ 100 × $0.45 if the property is not a single-family residence. Confirm with your title company.

When will I see my final numbers?

Buyers with a loan receive a Closing Disclosure at least three business days before closing.

Official sources