Buyer closing costs (estimate)

Estimate, not a quote. What a buyer in Broward or Miami-Dade usually pays at closing on top of the down payment, using the Florida state tax and title rates.

Filled in from 821 NE 120th Street, Biscayne Park. Change any number.

PriceDown payment %Interest rate %Insurance / yrCounty average unless you have a quoteProperty tax / yrEstimated at 1.9% of price; follows the price until you change itHOA / mo

Home type Paying cash (no loan) Buyer pays the owner's title policy

Lender origination / underwriting: $4,592
Appraisal: $650
Credit report and flood certificate: $75
Florida doc stamps on the mortgage note: $1,607
Florida intangible tax on the mortgage: $918
Lender's title policy (issued with the owner's policy): $175
Owner's title policy: $2,945
Title settlement / closing fee: $750
Lien and municipal searches: $250
Recording fees (deed and mortgage): $200
Home inspection, 4-point and wind mitigation: $650
Survey: $550
Homeowners insurance, first year: $6,136
Escrow reserve: 3 months of tax + insurance: $4,261
Prepaid interest (about 15 days): $1,179
Estimated closing costs: $24,938 (4.3% of price)
Down payment: $114,800
Estimated cash to close: $139,738

Estimate, not a quote. State items use Florida rates: doc stamps on the mortgage note ($0.35 per $100 of the loan), intangible tax (0.2% of the loan) and the promulgated owner's title rate. Lender fees, inspections, association fees, insurance and prepaid items vary; your lender's Loan Estimate and the title company's settlement statement are the real numbers. Who pays title and other items is set by your contract and local custom. Insurance default: Florida OIR county average with wind, data as of Mar 31 2026. Seller-paid items such as deed doc stamps are not included.

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