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Closing costs in Florida: about $13,262 on a $500,000 home.

With 20% down, a buyer in Florida pays $9,549 to $17,780 in closing costs, so $113,262 in all on closing day. A title or escrow company runs the closing.

What Florida charges, and where the rule is

Amounts on the example below. Sources checked October 30, 2026.

Also in Florida: Title premium is promulgated by statute. Taxes are billed in November in arrears, so a seller credit uses the prior year’s bill.

The example, line by line

A $500,000 home with $100,000 down at 6.5%. Change any number; the link you copy keeps them.

From $10,000 to $5,000,000.

20% of the price.

17 states are priced line by line; elsewhere it’s 3% of the price, labelled as an estimate.

For the interest you prepay from closing day to month end.

Cash to close, typical

Bring about $113,262to close in Florida, between $109,549 and $117,780.
Down payment
$100,000.00
Closing costs, typical
$13,262.00
Cash to close
$113,262.00
Loan
$400,000.00

What to watch

  • At 20% down or more there’s no PMI.
  • The loan fits under the 2026 conforming limit of $832,750.

Closing costs, line by line

Typical, with the low–high range under it.

Origination

Appraisal fee
$735$578–$1,024
Credit report fee
$89$53–$137
Flood certification
$15$10–$25
Processing fee
$495$300–$795
Underwriting fee
$895$500–$1,395
Prepaid interest
$1,068$356–$1,781

Settlement & title

Settlement / closing fee
$800$500–$1,100
Lender’s title insurance
$2,150$2,000–$2,300
Title search & endorsements
$341$184–$604
Notary fee
$150$75–$275
Document delivery / wire fee
$55$25–$95

Third-party

Homeowners insurance (12 months prepaid)
$1,750$1,313–$2,363
Insurance escrow (3 months)
$438$292–$583
Home inspection
$604$420–$893

Taxes & government

Note documentary stamps
$1,400
Intangible tax on the mortgage
$800
Recording fees
$110$60–$160
Property tax escrow
$1,367$683–$2,050
Closing costs$13,262$9,549–$17,780

An estimate to plan with, not a Loan Estimate. One discount point would add $4,000.

The link keeps your numbers after the #, a part of the address browsers don’t send to any server.

Other states: Alabama, Arizona, California, Colorado, Georgia, Louisiana, Michigan, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington.

An estimate to plan with, not a Loan Estimate or advice. Fees vary by county, lender and title company; your Loan Estimate has the real figures three business days after you apply.

Related

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