Complete breakdown of Florida closing costs — documentary stamp tax, intangible tax, title insurance, and every fee explained.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Florida closing costs average 2-5% of the purchase price
- Documentary stamp tax: $0.70 per $100 (deed) — paid by seller
- Documentary stamp tax: $0.35 per $100 (mortgage note) — paid by buyer
- Intangible tax: $0.20 per $100 (new mortgage amount) — paid by buyer
- Title insurance: promulgated rates ($5.75 per $1,000 up to $100K, then $5.00 per $1,000)
- Title insurance: seller pays owner’s policy in most counties (except Miami-Dade, Broward, Sarasota, Collier)
- Lender fees: origination, underwriting, appraisal, credit report
- Prepaid items: property tax, insurance, flood insurance escrow
- Recording fees: deed and mortgage recording