Florida Closing Costs

If you are planning to buy a house in Florida, you’ve already heard about closing costs a number of times. Closing costs are the sum amount that your mortgage lender incurs when administering the loan to you. 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

On average, closing costs in Florida amount to an average of 3.5% of the total loan amount. But that varies from one lender to another and from one state to another. Florida, being a high-cost state, you may want to get a real estate company that will help you reduce the amount of closing costs as much as possible – like the Moreira Team.

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, please contact us and we will be sure to furnish you with the information. We can also help you find the best Florida mortgage loan lenders with the lowest closing costs. 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.

Talk to us today, and we will help you save some money in the process of getting a new home.