Closing Cost Calculator
Let's map out every dollar due at the closing table before you ever sign on your Miami property.
What This Calculator Does
Give it a purchase price and it adds up the major closing expenses ahead of you — title insurance, appraisal and attorney fees, transfer taxes, and the other standard line items — so closing day holds no surprises.
Who Is This For
I put this together for buyers building a realistic purchase budget, for first-timers who want a full accounting of what it truly costs to close, and for anyone finalizing plans to buy in the Miami area.
How It Works
Enter the home's purchase price and pick a closing cost percentage that matches your scenario. Out comes 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 covers 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 deal. Buyers usually handle lender fees, the appraisal, and part of the title costs, while sellers customarily cover realtor commissions and the documentary stamps on the deed.
Can closing costs be negotiated?
Yes — a few line items have room to move. Lender origination fees, title insurance premiums, and seller concessions are all open to negotiation, so it pays to gather quotes and simply ask.
When are closing costs due?
Everything settles at the closing table, which typically lands 30-45 days after the contract is accepted. Florida law also requires that you receive a Closing Disclosure at least 3 days before closing, so you have time to review the final figures.