Florida Mortgage Payoff Estimator
Your mortgage payoff is your current loan balance plus interest that will accrue between today and your closing date. Lenders calculate payoff to the exact date — a per-diem (daily interest) charge adds a few dollars per day until the loan is paid off. On a $180,000 balance at 6.5%, per-diem interest is roughly $32 per day.
This calculator estimates your payoff by applying simple daily interest (annual rate ÷ 365 × days to closing) to your current balance. Your lender's official payoff statement is the authoritative figure and may include recording fees or prepayment charges not shown here. Always request a payoff statement from your lender before closing — do not use this estimate in a closing transaction.
Estimate your mortgage payoff at your Florida closing date. Enter your current balance, interest rate, and days until closing to see estimated per-diem interest and total payoff. Always request an official payoff statement from your lender — this is an estimate only.
Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (FL License #3280644). About the reviewer
Your loan details
Estimated payoff
This estimate uses simple daily interest (annual rate ÷ 365 × days). Your lender calculates payoff to the exact closing date and may include recording fees or prepayment penalties. Always request an official payoff statement from your lender before closing — do not rely on this estimate for any closing transaction.
How payoff affects your net
Your estimated payoff is deducted from your sale proceeds at closing. The remaining amount — after payoff, closing costs, and any other liens — is your net to seller.
Run your full net estimate in the Florida Seller Net Sheet Calculator, which includes payoff, documentary stamp tax, title insurance, and closing fees in one view.