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Closing Cost Calculator

Clear answers. Fast estimates. Human help when you want it.

Trust • Experience • Results

Closing costs can vary widely depending on a number of factors including the purchase price, property location, financing type, title insurance selections, and who pays specific fees as outlined in your contract. Every closing is unique, and even small details can influence the total amount due at settlement.

We’re currently developing a new, automated Closing Cost Calculator designed to provide faster, more accurate estimates with a simpler user experience. It will be available in the future.

In the meantime, if you’d like a personalized estimate, we’re happy to help. You can call our office directly or send us your property and contract details using the form below if you are buying or selling. Our closing team will gladly go over with you the details and prepare your estimate and send it back to you as quickly as possible.

We look forward to assisting you.

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Closing Cost Frequently Asked Questions

Closing costs in Florida are shared between the buyer and seller, but who pays what depends on the county and the purchase contract.

In most of Southwest Florida (including Sarasota and Manatee Counties) the seller typically pays for the owner’s title insurance policy and title-related closing fees.

In other areas, such as Hillsborough County (Tampa), the buyer commonly pays for title insurance.

However, all closing costs are negotiable as part of the contract terms.

Buyers in Florida generally pay between 2% and 5% of the purchase price in closing costs.

These costs may include lender fees, title insurance, escrow services, appraisal, recording, prepaid property taxes, and insurance.

Buyers who are financing their purchase will see higher costs than cash buyers due to lender-related fees.

The exact amount varies depending on the loan type, property location, and timing of the closing.

Common seller closing costs include the documentary stamp tax on the deed (a state tax on the transfer of property), title insurance, title search and settlement fees (if custom in that county), HOA or condominium estoppel fees, lien searches, and Realtor commissions if applicable.

The state rate for the documentary stamp tax is generally $0.70 per $100 of the sale consideration, rounded up to the nearest 100, except in Miami-Dade County, where it is $0.60 per $100 for single-family residences plus possible surcharges for transfers other than single-family dwelling.

Florida imposes a nonrecurring intangible tax on new mortgages that are secured by real property located in the state. This tax is assessed at a rate of $0.20 per $100 of the amount of the note or obligation (equivalent to 2 mills per dollar) and is collected at the time the mortgage is recorded.

While the lender is legally responsible for the tax under Florida law, it is customary for the borrower or buyer to pay it at closing as part of the standard settlement costs. In addition to the intangible tax, Florida also charges a documentary stamp tax on the mortgage at $0.35 per $100 of the loan amount rounded up to the nearest 100.

Certain transactions may qualify for exemptions or limitations, such as refinances, or specific loan structures like loans by credit unions, government agencies, agricultural land and VA loans. Because every transaction is unique, our title and attorney team reviews each mortgage to ensure these state taxes are applied correctly and efficiently.

Every transaction is unique, and costs can vary based on location, loan type, and contract terms. With more than 25,000 closings completed across Florida, our team brings unmatched local knowledge and legal insight to every estimate.

As an attorney-led company with our own title company, Barnes Walker combines the precision of real estate law with the efficiency of modern title services, ensuring your quote is not just fast, but accurate and fully compliant.

Even if your estimate isn’t instant, it’s personal. Call our office or send us your property and contract details, and our title professionals will prepare a detailed, itemized estimate tailored specifically to your transaction… usually the same day.