Florida closing costs, itemized.
National calculators skip Florida's doc stamps, intangible tax, and insurance escrows, then the number at the closing table surprises you. This one doesn't.
What you'll actually bring.
Florida charges taxes most states don't: documentary stamps on your mortgage note ($0.35 per $100 borrowed) and an intangible tax ($2 per $1,000 borrowed). Add lender fees, title work, and the escrows Florida insurers require up front, and buyer closing costs here typically land between 2% and 5% of the purchase price.
One local custom in your favor: in Brevard County, the seller traditionally pays for the owner's title insurance policy. Plenty of national estimates get that wrong and overquote you.
Cash buyers skip everything loan-related, toggle "Cash" below and watch the taxes vanish. It's a real negotiating edge.
Fine-tune the estimate area · insurance quote · seller credit
Sets the insurance estimate. Brevard mainland averages about $4,300/yr; beachside and barrier-island homes run roughly double, about $9,300/yr (2026 averages). Your real quote below beats both.
Estimates using published Florida tax formulas and typical Brevard-area fee ranges; your lender's Loan Estimate is the binding number. Doesn't include prorated property taxes (varies by closing date) or HOA/CDD transfer fees. Inspection (~$400-$500) and appraisal (~$550) are usually paid before closing, shown here for the full picture.
Download My Breakdown (PDF) Or Email Myself a CopyThe three line items that surprise people.
Doc stamps on the note
Florida taxes your mortgage itself: $0.35 for every $100 you borrow. On a $360,000 loan that's $1,260, a line item that simply doesn't exist in most states, and the #1 thing out-of-state buyers don't see coming.
Intangible tax
Another Florida-only levy: 0.2% of the loan amount, due at closing. $720 on that same $360,000 loan. Cash buyers pay neither this nor doc stamps on a note, part of why cash offers close cheaper here.
Insurance escrows, Florida-sized
Lenders typically collect 12-14 months of homeowners insurance at closing. With Florida premiums running roughly triple the national average, and flood coverage on top in some zones, the escrow line hits differently here. Get insurance quotes before you're under contract, not after.
Want the numbers on a specific house?
Send me the listing and I'll run the real math, taxes, insurance realities, and what I'd offer.