Florida title insurance calculator
Type in the price and you'll see the premium.
Published schedules apply where the state sets the rate; in other places the figure is only an estimate. Endorsements add more to your cost.
- The documentary stamp tax
- 0.7% applied to the price
- Which side pays it
- The cost is shared by buyer and seller; by law, every party to the deed owes the tax, no matter who takes on the payment. For every $100, Miami-Dade County charges 60 cents.
- Rates for title insurance
- The state sets this
- Recording the deed
- $10 under the Flagler County clerk schedule (F.S. 28.24), plus $8.50 for every page past the first.
Who pays the closing costs in Florida
| Line | Customary payer | Rate or amount | Source |
|---|---|---|---|
| The documentary stamp tax | Split between buyer and seller | At 0.7% of the sale amount | floridarevenue.com |
| The documentary stamp tax charged at the Miami-Dade rate (Miami-Dade County) | Split between buyer and seller | At 0.6% of the sale amount | floridarevenue.com |
| The documentary stamp tax on the note, plus the intangible tax | Buyer | At 0.55% of the loan amount | lakecountyclerkfl.gov |
| Owner's title policy | Varies by county | set by the state rate | law.cornell.edu |
| Lender's title policy | Buyer | $25 simultaneous issue | law.cornell.edu |
| Recording the deed | Buyer | $10 | flaglerclerk.gov |
| Recording the mortgage | Buyer | $10 | flaglerclerk.gov |
| Origination charge | Buyer | At 1% of the loan amount | bankrate.com |
| Appraisal | Buyer | $359 | angi.com |
| Buyer's agent commission | Set in the buyer agreement | 2.42% average | redfin.com |