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 19040 S Saint Andrews Drive, Hialeah. 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: $8,392
Appraisal: $650
Credit report and flood certificate: $75
Florida doc stamps on the mortgage note: $2,937
Florida intangible tax on the mortgage: $1,678
Lender's title policy (issued with the owner's policy): $175
Owner's title policy: $5,198
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
Association application / approval fee: $150
Homeowners insurance, first year: $6,136
Escrow reserve: 3 months of tax + insurance: $6,517
Prepaid interest (about 15 days): $2,155
Estimated closing costs: $36,463 (3.5% of price)
Down payment: $209,800
Estimated cash to close: $246,263

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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