Buyer Closing Cost Calculator

Title Company of Florida  •  All 67 Counties

Florida Residential
Important Disclaimer: This Closing Cost Estimate represents Title Company of Florida's and various third parties' standard fees for a typical residential transaction. All figures are estimates only and subject to change based on final loan terms, lender requirements, and closing date. For commercial or complex transactions, please contact us directly.
1

Agent & Buyer Information

2

Loan & Purchase Details

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Common: ALTA condo/PUD ($25 each), Form 9 (~$150–$400). Enter your quote.

3

Interest Rate & Loan Term

View Today's Live Mortgage Rates
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Reference today's rates above, then enter the rate quoted by the lender.

4

Annual Costs (for Prepaids & Escrow)

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A common estimate is ~1% of the purchase price. If the property has a CDD fee, it is typically included in the property taxes shown on the county website. You can either use that total as-is or manually add the CDD amount into the tax field for this calculation.

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Enter $0 if property is not in a flood zone.

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Enter $0 if no HOA.

5

Credits & Deposits

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Amount seller has agreed to contribute toward buyer's costs.

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Already paid — credited back at closing.

Buyer Closing Cost Estimate

Agent: Buyer(s): Loan Type: Purchase Price: Down Payment: Loan Amount:
Estimated Cash to Close
$0
Upfront MI / Funding fees may be financed into the loan. This is the net cash required at closing.
Item Amount
Lender & Title Fees
Underwriting Fee
Appraisal Fee
Credit Report
Lender's Title Insurance Premium
Title Company Closing / Settlement Fee
Mortgage Doc Stamp Tax (0.35%)
Owner's Title Insurance (buyer pays)
Title Endorsements / Add-ons
Recording Fees
Flood Cert / Tax Service / MERS / Other
Section F — Prepaids
Prepaid Homeowners Insurance (12 months)
Section G — Escrow Setup
Homeowners Insurance Escrow (2 months)
Property Taxes Escrow (2 months)
HOA Fee Escrow (2 months)
Upfront MI / Funding Fee (often financed)
Upfront FHA/VA Fee
Cash to Close Breakdown
Total Closing Costs
Down Payment
Seller Credit
Earnest Money Credit
ESTIMATED CASH TO CLOSE
Estimated Monthly Payment Breakdown
Principal & Interest
Homeowners Insurance (monthly)
Property Taxes (monthly)
HOA Fee (monthly)
ESTIMATED TOTAL MONTHLY PAYMENT
* This estimate represents Title Company of Florida's and various third parties' standard fees for a typical residential transaction. Actual costs may vary based on lender, loan terms, closing date, and property specifics. Prepaid and escrow amounts are estimates only.
Upfront FHA/VA fees are typically financed into the loan and may not require cash at closing.