Cash Flow Deals

Florida Closing Cost Calculator

Florida documentary stamp tax on the deed is calculated at $0.70 per $100 of sale price (or fraction thereof) under F.S. 201.02, statewide. Miami-Dade County uses $0.60 per $100 on the deed plus a $0.45 per $100 surtax (F.S. 201.031) — but single-family homes are exempt from the Miami-Dade surtax.

Florida seller closing costs typically include the documentary stamp tax on the deed, owner's title insurance (FL OIR promulgated rate: roughly $5.75 per $1,000 up to $100,000, then $5.00 per $1,000 to $1,000,000), title search, closing fee, deed recording, and a municipal lien search. Use the calculator below for a county-specific estimate. These are estimates only — not tax or legal advice. Confirm exact figures with your Florida title company or attorney.

Estimate your Florida seller closing costs by county: documentary stamp tax on the deed, owner's title insurance, and settlement fees, including the Miami-Dade surtax rule.

Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (FL License #3280644). About the reviewer

PENDING_REAL_HUD_VALIDATION. ESTIMATE_ONLY · NOT_TAX_ADVICE · NOT_LEGAL_ADVICE · PENDING_REAL_HUD_VALIDATION. Figures are estimates from documented Florida formulas and your inputs. Not validated against real settlement statements yet. Not tax or legal advice. Confirm exact figures with your title company or a Florida attorney.

Your numbers

Estimate

Documentary stamp tax (deed)$2,100
Owner's title insurance (est.)$1,575
Settlement fees (est.)$694
Total seller closing costs (est.)$4,369
Estimated seller net (CFD novation path)$145,632

Sale price minus payoff and estimated closing costs. No listing commission. CFD fee is a separate closing line, not taken from the seller.