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 7203 SW 46 Street, Davie. 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: $6,244
Appraisal: $650
Credit report and flood certificate: $75
Florida doc stamps on the mortgage note: $2,185
Florida intangible tax on the mortgage: $1,249
Lender's title policy (issued with the owner's policy): $175
Owner's title policy: $3,977
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: $5,241
Prepaid interest (about 15 days): $1,604
Estimated closing costs: $30,086 (3.9% of price)
Down payment: $156,098
Estimated cash to close: $186,184

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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