Closing Cost Calculator
See every dollar owed at the closing table clearly, well before you sign for your Miami property.
What This Calculator Does
Enter 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 standard line items — so closing day arrives free of surprises.
Who Is This For
For buyers assembling a realistic purchase budget, first-timers who want a full accounting of what it truly costs to close on a home, and anyone finalizing plans to buy in the Miami area.
How It Works
Enter the home's purchase price and select a closing cost percentage suited to your scenario. The calculator delivers a total estimate you can use to plan your cash-to-close well ahead of time.
Frequently Asked Questions
What are typical closing costs in Florida?
In Florida, buyers and sellers generally see closing costs land between 2-5% of the purchase price. That total encompasses title insurance, documentary stamps at $0.70 per $100, recording fees, and lender-related charges.
Who pays closing costs in Florida?
Costs fall on both sides of the transaction. Buyers usually shoulder lender fees, the appraisal, and a share of title costs, while sellers customarily take on realtor commissions and the documentary stamps on the deed.
Can closing costs be negotiated?
Yes — several line items have room to move. Lender origination fees, title insurance premiums, and seller concessions are all open to negotiation, so comparing quotes and simply asking tends to pay off.
When are closing costs due?
Every closing cost is settled at the closing table, which typically arrives 30-45 days after the contract is accepted. Florida law entitles you to a Closing Disclosure at least 3 days before closing, giving you time to review the final figures.