Florida Closing Costs

If you are planning to buy a house in Florida, you’ve no doubt heard about ‘closing costs’ a number of times. Closing costs are basically all the expenses and fees associated with the home loan process. In Florida, some specific items to expect on your closing costs include origination fees, processing fees, appraisal fees, survey fees, mortgage tax and closing attorney fees.

Closing Cost Calculator

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Closing Cost Details

Cost Breakdown

Property Location

Home Price

Down Payment / 20%

All information and results provided by this Closing Cost Calculator are estimates only. They will in no way accurately reflect actual closing costs. This calculator is to be used only to establish and estimate of closing costs. There are many unique factors that will affect the actual cost.

Loan Type

VA FHA Other

Loan Amount


Closing Costs


Closing Cost & Fees


Escrow & Other Expenses


Total Due at Closing


Loan Costs

Other Costs




Credit Report

Flood Certification

Home Inspection



Attorney & Closing Fees

Loan Cost Totals

Government Recording Fee

Transfer Tax

Homeowners Insurance

Up Front Mortgage Insurance

Daily Interest

Escrow Homeowners Insurance

Escrow Property Taxes (3 months)

Title Insurance

Other Cost Totals

Closing costs in Florida amount to an average of between 2.5% and 3% of the total loan amount. But that varies from one lender to another and also from one city to another. With an average loan amount of about $300,000, your Florida closing costs can be about $7,800.

Florida Mortgage Rates for 6.10.23

30 Yr. Fixed 6.625% APR 7.146%
15 Yr. Fixed 6.000% APR 6.524%
30 Yr. Fixed FHA 5.875% APR 6.852%
30 Yr. Fixed Jumbo 7.625% APR 7.790%
Rates as of June, 10 2023 See All Rates | See Rate Assumptions

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Also, note that the total amount that you will pay largely depends on where your house is located. For instance, the average closing costs in Miami add up to $9,422 for a $200,000 mortgage. The same value of mortgage attracts closing costs of $9,388 in Orlando and $9,409 in Tampa. The difference is mainly caused by varying costs of origination points and survey.

For a comprehensive analysis of Florida closing costs for each county, get your custom rate and closing cost quote or give us a call to speak directly with a licensed mortgage advisor. Alternatively, we can help you get a no-closing-cost loan. In that case, you won’t have to pay any upfront fees, and that means avoiding closing costs altogether.

Give us a call today, and we will help you save some money on your next mortgage!

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