Florida Closing Costs Calculator
Home-buyer closing costs in Florida average 1.82% of the purchase price — the 7th-highest in the US. Estimate your total and see the fee breakdown for any home price below.
Estimate only This uses the Florida average closing-cost percentage, and the breakdown is illustrative. Your actual costs depend on your lender, loan and negotiations — get a Loan Estimate from your lender for exact figures.
Note This is an average estimate; your actual costs depend on your lender, loan and negotiations — get a Loan Estimate for exact figures. The breakdown is illustrative and excludes real-estate agent commissions (usually paid by the seller).
Florida closing costs by home price (at 1.82%)
| Home price | Est. closing costs | % of price |
|---|---|---|
| $250,000 | $4,550 | 1.82% |
| $400,000 | $7,280 | 1.82% |
| $600,000 | $10,920 | 1.82% |
| $900,000 | $16,380 | 1.82% |
Median Florida home: $359,000 → about $6,534 in buyer closing costs.
How to estimate closing costs in Florida
- 01 Enter your home price (the default is the Florida median).
- 02 The 1.82% Florida average is pre-filled — adjust it for your lender and loan if you have a quote.
- 03 Read your estimated total and the illustrative fee breakdown instantly.
Frequently asked questions
How much are closing costs in Florida?
On average, home-buyer closing costs in Florida run about 1.82% of the purchase price — roughly $6,534 on the $359,000 median home. That covers lender fees, title & escrow, transfer/recording taxes, appraisal & inspection and prepaids, but not the real-estate agent commission (usually paid by the seller). Your actual total depends on your lender, loan and negotiations — get a Loan Estimate for exact figures.
What are closing costs on a $400,000 home in Florida?
At Florida's 1.82% average, closing costs on a $400,000 home come to about $7,280. This is an average estimate; your costs depend on your lender, loan and what the seller agrees to cover.
What is included in Florida closing costs?
Buyer closing costs typically include: lender/origination fees (origination, underwriting, points, credit report), title insurance & escrow/settlement, government transfer & recording taxes, appraisal & inspection, and prepaids (escrow reserves plus prepaid interest and insurance). The breakdown this page shows is illustrative — your Loan Estimate lists your exact line items.
Why are closing costs high in Florida?
Florida levies a real-estate transfer (deed) tax, which is the single biggest reason its closing costs run above the national norm. Transfer taxes are charged on the sale price, so they scale with how expensive the home is and can add thousands to a buyer's bill.
Who pays closing costs in Florida, the buyer or the seller?
Both sides have closing costs. This calculator estimates the BUYER's costs. Sellers separately pay agent commissions and often part of the transfer tax. In many deals buyers negotiate "seller concessions" so the seller covers some buyer closing costs — always confirm who pays what in your purchase contract.
Is this Florida closing costs calculator free?
Yes — it is completely free, needs no sign-up, and runs entirely in your browser. Nothing you enter is uploaded anywhere.
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