What will the closing actually cost?
Florida title insurance and closing costs at the rates the statute and the rule set, with the source printed beside every number.
Florida is unusual: title insurance premiums are promulgated by rule, not quoted by the insurer, and documentary stamp tax, the surtax, the intangible tax and recording fees are all set by statute. That means most of a Florida closing has a right answer. This calculator uses those exact rates and prints the statute or rule number beside every line, so you can check us. The two things it will not do are guess who pays for the owner’s policy, which is local custom and your contract rather than law, and invent the fees your title agent sets.
The transaction
Only Miami-Dade changes the statutory rates, and it changes two of them.
The Miami-Dade surtax turns off when the conveyance involves only a single-family residence, which includes a condominium unit. Everywhere else in Florida there is no surtax at all.
Drives the doc stamps on the note, the intangible tax on the mortgage, and the simultaneous issue lender policy.
Who pays for the owner’s title policy
This one is local custom and contract, not Florida law, so there is no default here and we will not guess one. The standard Florida Realtors and Florida Bar residential contract makes it a checkbox in paragraph 9(c). Pick what your contract says.
The contract form prints no regional provision for this county, so paragraph 9(c) is an open choice between seller pays and buyer pays. We do not preset it, because who customarily pays here is local practice rather than law and your contract governs either way.
What your title agent quotes
None of these are set by statute or promulgated by rule, so we leave them blank. A blank line shows up as not included rather than as a zero that looks like a real number. Fill in the quote you were given.
Enter a purchase price to see the statutory lines. Everything recalculates instantly.
An estimate from your inputs, not a settlement statement and not legal, tax, or lending advice. The closing agent’s figures govern.
Saved in this browser only. Tap one to bring its inputs back.
Nothing yet. Each set of numbers you pause on is saved here.
A copy of these exact figures with the sources listed, sent privately. No drip campaign, just your summary and a way to reach us.
Enter a price and choose who pays the owner's policy first.
Every statutory and promulgated rate below was read at its source on 2026-09-20. If a rate changes, this page is wrong until the citation date moves with it.
- FS 201.02(1)(a)
- On deeds conveying real property, "on each $100 of the consideration therefor the tax shall be 70 cents".
- FS 201.0205
- The 10-cent increase does not apply to real property in a county that has implemented chapter 83-220, which leaves the deed rate at 60 cents per $100 in Miami-Dade. The Department of Revenue publishes the same 60 cent rate.
- FS 125.0167(1) and FS 201.031
- The surtax "shall not exceed the rate of 45 cents for each $100 or fractional part thereof" and "There shall be no surtax on any document pursuant to which the interest granted, assigned, transferred, or conveyed involves only a single-family residence".
- FS 201.08(1)(a) and (1)(b)
- On notes and on mortgages, "the tax shall be 35 cents on each $100 or fraction thereof of the indebtedness". The $2,450 cap in (1)(a) applies to notes and written obligations, not to the mortgage tax in (1)(b).
- FS 199.133(1)
- "A one-time nonrecurring tax of 2 mills is hereby imposed" on each dollar of the obligation secured by a mortgage on Florida real property.
- FS 28.24(13)
- Recording an instrument no larger than 8.5 by 14 inches: $5.00 first page, $4.00 each additional page, plus the $1.00 / $0.50 Public Records Modernization Trust Fund charge and the additional $4.00 per page, which is the $10.00 / $8.50 the clerks publish. Indexing more than four names costs $1.00 per additional name.
- FAC 69O-186.003(1)
- Original owner's premium: $5.75 per thousand to $100,000, add $5.00 per thousand to $1 million, add $2.50 per thousand to $5 million, add $2.25 per thousand to $10 million, add $2.00 per thousand above. Minimum premium $100. Introductory paragraph: a fractional thousand is multiplied by the rate per thousand, "considering any fraction of $100.00 as a full $100.00".
- FAC 69O-186.003(2)
- Reissue rate: $3.30 per thousand to $100,000, add $3.00 per thousand to $1 million, add $2.00 per thousand to $10 million, add $1.50 per thousand above. Minimum premium $100.
- FAC 69O-186.003(5)
- A mortgagee policy issued simultaneously with an owner's policy carries "a minimum $25.00 for an amount of insurance not in excess of the owner's policy".
- FAR/BAR "AS IS" Residential Contract, paragraph 9(a) and 9(b)
- The printed contract puts documentary stamp taxes and surtax on the deed on the seller, and puts taxes and recording fees on notes and mortgages, recording fees for the deed, and the lender's title policy on the buyer. This is the contract form, not law, and every line is negotiable.
- FAR/BAR "AS IS" Residential Contract, paragraph 9(c)
- Who pays the Owner's Policy and Charges is a checkbox with three options: (i) seller designates the closing agent and pays, (ii) buyer designates and pays, or (iii) the MIAMI-DADE/BROWARD REGIONAL PROVISION, under which the seller furnishes prior title evidence and pays for the continuation, tax search and municipal lien search while the buyer pays the premium for the buyer's owner's policy.
What the numbers actually mean
How much is documentary stamp tax on a Florida deed?
Seventy cents on each $100 of consideration, or portion of $100, under Florida Statute 201.02(1)(a). Miami-Dade is the exception at sixty cents, because Florida Statute 201.0205 exempts a county that implemented chapter 83-220 from the ten cent increase. Miami-Dade also levies the discretionary surtax of forty five cents per $100 under Florida Statute 125.0167, but that surtax does not apply when the conveyance involves only a single-family residence, which includes a condominium unit.
Who sets title insurance rates in Florida?
The Office of Insurance Regulation, by rule 69O-186.003 of the Florida Administrative Code. The original owner’s rate runs $5.75 per thousand up to $100,000, then $5.00 per thousand to $1 million, $2.50 per thousand to $5 million, $2.25 per thousand to $10 million and $2.00 per thousand above that, with a $100 minimum premium. A lender’s policy issued at the same time as the owner’s policy carries a $25 minimum for coverage not exceeding the owner’s amount. Shopping title agents changes the settlement fee, not the premium.
Who pays for the owner’s title policy in Palm Beach County?
That is local custom and contract, not law, and we will not preset it for you. The statewide Florida Realtors and Florida Bar residential contract makes it a checkbox in paragraph 9(c): the seller designates the closing agent and pays, the buyer designates and pays, or, for Miami-Dade and Broward only, the printed regional provision under which the seller furnishes prior title evidence and pays for the continuation and the searches while the buyer pays the owner’s policy premium. Palm Beach has no printed regional provision, so it is an open negotiation. Whoever pays customarily gets first choice of the closing agent.
What taxes apply when I finance the purchase?
Two. Documentary stamps on the note at thirty five cents per $100 of the indebtedness under Florida Statute 201.08, with no cap when the note is secured by a mortgage on Florida real property, and the one-time nonrecurring intangible tax of two mills on each dollar of the obligation under Florida Statute 199.133. On a $1,000,000 loan that is $3,500 plus $2,000. The printed contract puts both on the buyer along with the recording fees on the note and mortgage.
Why does this calculator leave some lines blank?
Because a zero looks like a real number. The closing and settlement fee, the title search, the municipal lien search and the association estoppel are set by the agent, the vendor or the association, not by statute or rule. We list them as not included until you enter the quote you were actually given, rather than printing a plausible average you could not trace.
A calculator estimates. A broker underwrites.
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