Closing Costs in Florida

What Are the Closing Costs in Florida? and Who pays for them?

Learning the true cost of your real estate closing

Everything you need to know about your closing costs

When Buying (or selling) Real Estate property, you often encounter the term “closing costs”. So, what are these so called “closing costs”?

And how can you most accurately estimate them before making (or accepting) an offer on a real estate property?

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What are closings costs?

Closing costs are a collection of fees, dues, services and taxes that are split between the buyers and sellers of real estate property and cover the additional expenses related to real estate transaction that are not included in the sales price.
Closing costs can include, among others, costs related to due diligence, ownership transfer, document recording, loan origination, escrow management.

What is included in closing costs?

Based on the county in which the property is in, the term “closing-costs” can include different line items.

You should ask the title company the handles your closing for a “Preliminary Closing Disclosure” or Prelim CD in short, which is a ledger document that should specify which closing costs items are applicable in your transaction and which party (buyer or seller) is responsible for each line item.

learn what you pay for

How much are closing costs in Florida?

There are several different factors that can affect the final amount of your closing costs. Aside from the cost of Title Insurance which is directly tied the value of the traded property and charged by your title company, closing costs for buyers and seller can change drastically based on the costs of 3rd party services they receive such as costs charged by their lender for initiation or disposition of a loan, the costs for inspections and surveys, charges assessed by Homeowners associations and Municipalities and even your homeowners insurance.
Title and Lien Search
Based on the title insurer and Municipality
Title Insurance Premium
Based on the price of the property
Lender Charges
Determined by your lender
State and Local Taxes
State Mandated Formula
Inspections and Surveys
3rd Party Vendors

Buyers and Sellers Charges

Who pays closing costs in Florida?

In Florida, similarly to other states, closing costs are charges that applied to both parties in a real estate transaction, the buyer AND the seller. 

The way in which these charges are being split, is based upon the county in which the property is located in and the contractual terms negotiated in your Purchase and Sales agreement

Buyer's Closing Costs

Seller's Closing Costs

Title Insurance Closing Costs Estimate from Your Tablet
Florida Title Online Tool Closings Costs Estimator

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How to calculate your closing costs?

Calculating the accurate amount of closing costs is nearly impossible before having all the information from all the partied involved in the transaction, since there are many variables that can affect the cost of different charges.

You can always obtain a preliminary Closing Costs Estimate with our quick and easy Closing Costs Calculators.

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Take a deeper dive

Read more about Florida closing costs

Still Have Questions?

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