Closing Cost Calculator
See every dollar owed at the closing table before you put your signature on a Miami property.
What This Calculator Does
Feed in a purchase price and the calculator totals the major closing expenses ahead of you — title insurance, appraisal and attorney fees, transfer taxes, and the other usual line items — so closing day holds no surprises.
Who Is This For
For buyers assembling a realistic purchase budget, first-timers who need the full picture of what it actually costs to close, and anyone finalizing a Miami-area purchase.
How It Works
Type in the purchase price and select a closing cost percentage that matches your scenario. The calculator returns a total estimate you can lean on to plan your cash-to-close well ahead of time.
Frequently Asked Questions
What are typical closing costs in Florida?
In Florida, closing costs for buyers and sellers typically fall between 2-5% of the purchase price. That covers title insurance, documentary stamps ($0.70 per $100 statewide; in Miami-Dade, $0.60 plus a $0.45 surtax on properties other than single-family homes), recording fees, and lender-related charges.
Who pays closing costs in Florida?
Costs land on both sides. Buyers generally handle lender fees, the appraisal, and part of the title costs, while sellers customarily pick up realtor commissions and the documentary stamps on the deed.
Can closing costs be negotiated?
Yes — several line items are flexible. Lender origination fees, title insurance premiums, and seller concessions can all be negotiated, so compare quotes and ask.
When are closing costs due?
Everything is settled at the closing table, which usually arrives 30-45 days after the contract is accepted. Florida law entitles you to a Closing Disclosure at least 3 days beforehand so you can review the final figures.