Florida Closing Costs by County
Closing costs in Florida typically range from 2% to 5% of the purchase price and include a combination of state-mandated fees, county-specific charges, and lender costs. Florida is one of the more expensive states for closing costs due to documentary stamp taxes and the seller's customary responsibility for title insurance in much of the state. This guide breaks down what you will pay county by county and explains each cost component so there are no surprises at the closing table.
Documentary Stamp Taxes
Florida charges a documentary stamp tax on the deed at a rate of $0.70 per $100 of the sale price in all counties except Miami-Dade, which charges $0.60 per $100. There is also a documentary stamp tax on the mortgage (note) at $0.35 per $100 of the loan amount statewide. On a $400,000 purchase with a $380,000 loan, deed doc stamps would be $2,800 (or $2,400 in Miami-Dade) and mortgage doc stamps would be $1,330.
Intangible Tax on the Mortgage
Florida charges a one-time intangible tax of $0.002 (0.2%) on new mortgages. On a $380,000 loan, the intangible tax is $760. This tax is paid at closing and is separate from the documentary stamp tax on the note.
Title Insurance in Florida
Florida title insurance premiums are set by state regulation and are the same regardless of which title company you use. The owner's title policy on a $400,000 purchase costs approximately $2,075. In most Florida counties (except Miami-Dade), the seller customarily pays for the owner's title policy. The buyer typically pays for the lender's title policy, which is less expensive.
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Recording Fees by County
Recording fees are charged by the county clerk's office to record the deed and mortgage. These fees vary slightly by county but are generally $10 for the first page and $8.50 for each additional page. Total recording fees typically run $200-$400 depending on document length and county.
Prepaid Items and Escrows
At closing, you will prepay homeowner's insurance (typically 12 months), property taxes (prorated), and set up escrow reserves for future tax and insurance payments. Depending on the closing date and county tax schedule, prepaid items can add $3,000-$8,000 to your closing costs. Flood insurance, if required, is an additional prepaid item.
Closing Cost Estimates for South Florida Counties
On a $400,000 purchase with 10% down: Miami-Dade County total closing costs average $12,000-$16,000 (lower deed stamps but buyer pays owner's title). Broward County averages $11,000-$15,000. Palm Beach County averages $11,000-$15,000. These estimates include all taxes, title insurance, recording fees, and prepaid items but not the down payment itself.
Estimated Closing Costs for All 67 Florida Counties
Estimates below are based on the median home price in each county with 10% down payment. Closing costs include documentary stamp taxes, intangible tax, title insurance, recording fees, prepaid insurance, and prorated property taxes. Actual costs vary by purchase price, loan type, and lender fees.
| County | Median Price | Tax Rate | Insurance Rate | Est. Closing Costs | % of Price |
|---|---|---|---|---|---|
| Alachua | $310,000 | 1.01% | 0.55% | $8,900 | 2.9% |
| Baker | $220,000 | 0.88% | 0.50% | $6,172 | 2.8% |
| Bay | $320,000 | 0.83% | 0.85% | $9,847 | 3.1% |
| Bradford | $175,000 | 0.95% | 0.50% | $5,048 | 2.9% |
| Brevard | $355,000 | 0.97% | 0.70% | $10,599 | 3.0% |
| Broward | $475,000 | 1.08% | 0.65% | $14,079 | 3.0% |
| Calhoun | $130,000 | 0.78% | 0.55% | $3,801 | 2.9% |
| Charlotte | $340,000 | 0.96% | 0.75% | $10,320 | 3.0% |
| Citrus | $270,000 | 0.87% | 0.55% | $7,611 | 2.8% |
| Clay | $330,000 | 0.93% | 0.50% | $9,153 | 2.8% |
| Collier | $575,000 | 0.77% | 0.75% | $16,648 | 2.9% |
| Columbia | $230,000 | 0.84% | 0.50% | $6,390 | 2.8% |
| DeSoto | $225,000 | 1.04% | 0.60% | $6,709 | 3.0% |
| Dixie | $155,000 | 0.75% | 0.55% | $4,436 | 2.9% |
| Duval | $310,000 | 0.97% | 0.50% | $8,683 | 2.8% |
| Escambia | $275,000 | 0.82% | 0.75% | $8,226 | 3.0% |
| Flagler | $370,000 | 0.93% | 0.65% | $10,772 | 2.9% |
| Franklin | $350,000 | 0.72% | 0.85% | $10,543 | 3.0% |
| Gadsden | $180,000 | 1.05% | 0.50% | $5,271 | 2.9% |
| Gilchrist | $200,000 | 0.80% | 0.50% | $5,565 | 2.8% |
| Glades | $165,000 | 1.05% | 0.65% | $5,111 | 3.1% |
| Gulf | $280,000 | 0.79% | 0.80% | $8,467 | 3.0% |
| Hamilton | $130,000 | 0.92% | 0.50% | $3,827 | 2.9% |
| Hardee | $185,000 | 0.95% | 0.55% | $5,407 | 2.9% |
| Hendry | $210,000 | 0.99% | 0.60% | $6,234 | 3.0% |
| Hernando | $290,000 | 0.94% | 0.55% | $8,249 | 2.8% |
| Highlands | $240,000 | 0.87% | 0.55% | $6,807 | 2.8% |
| Hillsborough | $395,000 | 1.01% | 0.60% | $11,435 | 2.9% |
| Holmes | $135,000 | 0.72% | 0.55% | $3,892 | 2.9% |
| Indian River | $380,000 | 0.94% | 0.70% | $11,262 | 3.0% |
| Jackson | $155,000 | 0.79% | 0.55% | $4,467 | 2.9% |
| Jefferson | $190,000 | 0.91% | 0.50% | $5,410 | 2.8% |
| Lafayette | $120,000 | 0.69% | 0.50% | $3,423 | 2.9% |
| Lake | $365,000 | 0.92% | 0.55% | $10,248 | 2.8% |
| Lee | $400,000 | 0.92% | 0.75% | $11,995 | 3.0% |
| Leon | $290,000 | 0.97% | 0.50% | $8,147 | 2.8% |
| Levy | $195,000 | 0.82% | 0.55% | $5,552 | 2.8% |
| Liberty | $115,000 | 0.64% | 0.55% | $3,325 | 2.9% |
| Madison | $140,000 | 0.87% | 0.50% | $4,057 | 2.9% |
| Manatee | $430,000 | 0.95% | 0.65% | $12,501 | 2.9% |
| Marion | $280,000 | 0.93% | 0.55% | $7,963 | 2.8% |
| Martin | $480,000 | 0.91% | 0.70% | $14,055 | 2.9% |
| Miami-Dade | $520,000 | 1.02% | 0.70% | $14,961 | 2.9% |
| Monroe | $750,000 | 0.67% | 0.95% | $22,725 | 3.0% |
| Nassau | $395,000 | 0.76% | 0.55% | $10,744 | 2.7% |
| Okaloosa | $395,000 | 0.80% | 0.75% | $11,613 | 2.9% |
| Okeechobee | $215,000 | 0.99% | 0.60% | $6,374 | 3.0% |
| Orange | $400,000 | 0.95% | 0.55% | $11,255 | 2.8% |
| Osceola | $370,000 | 1.01% | 0.55% | $10,550 | 2.9% |
| Palm Beach | $510,000 | 1.05% | 0.70% | $15,267 | 3.0% |
| Pasco | $320,000 | 0.93% | 0.55% | $9,047 | 2.8% |
| Pinellas | $385,000 | 0.90% | 0.65% | $11,136 | 2.9% |
| Polk | $310,000 | 0.95% | 0.55% | $8,807 | 2.8% |
| Putnam | $195,000 | 0.94% | 0.55% | $5,669 | 2.9% |
| Santa Rosa | $350,000 | 0.78% | 0.70% | $10,123 | 2.9% |
| Sarasota | $460,000 | 0.87% | 0.70% | $13,393 | 2.9% |
| Seminole | $400,000 | 0.89% | 0.55% | $11,135 | 2.8% |
| St. Johns | $480,000 | 0.82% | 0.55% | $13,119 | 2.7% |
| St. Lucie | $370,000 | 1.04% | 0.70% | $11,161 | 3.0% |
| Sumter | $350,000 | 0.81% | 0.50% | $9,475 | 2.7% |
| Suwannee | $190,000 | 0.82% | 0.50% | $5,325 | 2.8% |
| Taylor | $145,000 | 0.87% | 0.55% | $4,261 | 2.9% |
| Union | $155,000 | 0.93% | 0.50% | $4,498 | 2.9% |
| Volusia | $345,000 | 0.93% | 0.65% | $10,070 | 2.9% |
| Wakulla | $275,000 | 0.86% | 0.60% | $7,869 | 2.9% |
| Walton | $550,000 | 0.68% | 0.80% | $15,968 | 2.9% |
| Washington | $170,000 | 0.80% | 0.55% | $4,872 | 2.9% |
Estimates are approximate and based on publicly available county tax rates and average insurance data. Your actual closing costs will depend on your specific purchase price, loan amount, lender fees, and closing date. Contact Home Financial Group for a personalized estimate.
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How to Reduce Closing Costs in Florida
You can lower closing costs by negotiating seller concessions, shopping lender fees across multiple loan estimates, asking about lender credits (trading a slightly higher rate for reduced upfront costs), and choosing a no-cost or low-cost refinance if applicable. First-time buyers may qualify for closing cost assistance through Florida Hometown Heroes, FL Housing programs, or county-specific grants. Some lenders also offer closing cost credits for borrowers who use their preferred title company.
Seller Concessions by Loan Type in Florida
FHA loans allow up to 6% of the purchase price in seller concessions. Conventional loans allow 3% with less than 10% down, 6% with 10-24% down, and 9% with 25% or more down. VA loans allow up to 4% in seller concessions. USDA loans allow up to 6%. Seller concessions are negotiated in the purchase contract and can cover most buyer closing costs except the down payment itself.
Florida Closing Cost Assistance Programs
Florida offers several programs that help with closing costs. The Florida Hometown Heroes program provides up to 5% of the first mortgage amount for down payment and closing cost assistance to eligible community workers. FL Housing bond programs (FL HLP Second Mortgage and FL Assist) provide $7,500-$10,000 in assistance. Many county housing finance authorities in Broward, Miami-Dade, Palm Beach, and other counties offer additional local grants and forgivable second mortgages.
Florida Closing Costs by County — Common Questions
Both buyer and seller pay closing costs in Florida. The seller typically pays the real estate commission and the owner's title insurance policy (except in Miami-Dade). The buyer pays for the lender's title policy, documentary stamps on the mortgage, intangible tax, recording fees, and prepaid items.
Florida charges documentary stamp taxes on both the deed and the mortgage, plus an intangible tax on the mortgage. These state-mandated fees add 1-2% to the purchase price on top of standard closing costs. Florida also has relatively high property insurance premiums that increase prepaid escrow amounts.
Yes. Sellers can contribute toward the buyer's closing costs, subject to loan program limits. FHA allows up to 6% seller concessions, conventional allows 3-9% depending on down payment, and VA allows up to 4% in seller concessions. Seller credits are negotiated as part of the purchase contract.
Yes. Miami-Dade has a lower deed documentary stamp rate ($0.60 vs. $0.70 per $100) but follows the custom that the buyer pays for the owner's title insurance, which is the opposite of most other Florida counties. These differences can shift costs between buyer and seller.
Some loan programs allow you to finance certain closing costs. FHA loans allow the upfront mortgage insurance premium to be financed. VA loans allow the funding fee to be financed. Conventional loans may allow lender credits to offset closing costs in exchange for a slightly higher interest rate.
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Learn MoreGet a Personalized Closing Cost Estimate
Every transaction is different. Contact Home Financial Group for a detailed closing cost estimate based on your specific purchase price, location, and loan program.