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Tampa closing cost calculator

What does a closing cost in Tampa?

Figures checked September 14, 2026Hillsborough County · Tampa Bay

Work out a Tampa closing

Set to Hillsborough County; every line cited to whoever sets it
What is the transaction?
Where the property is. It decides the documentary stamp rate on the deed.
The owner’s policy is written for the full insurable value.
Leave empty for a cash closing.

Every line cited to whoever sets it

Buyer
$2,577.00
Seller
$6,075.00

Example: a $500,000 purchase in Hillsborough County with a $400,000 loan.

Title insurance premium

Owner’s policy, original rateWritten for the full insurable value of the property. Customarily the seller’s in Hillsborough County. Custom is not law — the contract decides, and it is worth reading which paragraph does it.Fla. Admin. Code R. 69O-186.003(1)(a)
$2,575.00
Lender’s policy, issued simultaneouslyWhat we charge to issue the lender’s policy alongside the owner’s on the same land. R. 69O-186.003(5)(a) sets $25 as the least it can be, not its price. The borrower’s alone.Bayit Title
$125.00
Subtotal
$125.00
$2,575.00

Tax on the transfer

Documentary stamp tax on the deedCustomarily the seller’s in a Florida sale. The statute taxes the deed without saying who pays; the contract allocates it.Fla. Stat. § 201.02(1)(a)
$3,500.00
Documentary stamp tax on the mortgageThe borrower’s alone.Fla. Stat. § 201.08(1)(b)
$1,400.00
Nonrecurring intangible taxThe borrower’s alone.Fla. Stat. § 199.133(1)
$800.00
Subtotal
$2,200.00
$3,500.00

Recording

Recording the deed, 3 pagesCustomarily the buyer’s — it is the buyer’s deed being put on record. The contract can say otherwise.Fla. Stat. § 28.24(13)
$27.00
E-recording the deed$5.50 a document, passed through at cost — on top of the clerk’s per-page charge under s. 28.24(13), not instead of it. Customarily the buyer’s — it is the buyer’s deed being put on record. The contract can say otherwise.Bayit Title
$5.50
Recording the mortgage, 25 pagesThe borrower’s alone.Fla. Stat. § 28.24(13)
$214.00
E-recording the mortgage$5.50 a document, passed through at cost — on top of the clerk’s per-page charge under s. 28.24(13), not instead of it. The borrower’s alone.Bayit Title
$5.50
Subtotal
$252.00
Each side’s totalSet by the rule, the statute or the clerk, except the lender’s policy and the e-recording fee, which are ours and say so on the line. Which side pays each of them is the contract’s.
$2,577.00
$6,075.00

At the reissue rate the same coverage is $1,655.00 in premium against $2,700.00. Finding the old policy is worth up to the difference — less if it insured less than this would.

Not in it: Our settlement or closing fee; title search and examination; endorsements the lender asks for; survey, municipal lien search, estoppel letters and association fees; the lender’s own charges, prepaid interest, escrows and prorations. Which side pays each line above is the contract’s to settle — the split shown is ordinary Florida practice and no more than a starting point. On the seller’s side, also: the mortgage payoff and the recording of its satisfaction; association balances and estoppel charges; municipal claims, judgments and liens; prorations and the commission.

For the exact figure, with our fees, the search and the endorsements in it, send us the contract.

No contract to hand yet? Leave an email or a phone number and we will price the closing from these figures and come back to you.

Either will do. Nothing else is needed.

The short answer

Bayit Title LLC closes in Tampa, Hillsborough County. On a $500,000 purchase with a $400,000 loan, the charges set by rule or statute come to $2,577 on the buyer’s side and $6,075 on the seller’s. In Hillsborough County the owner’s policy is customarily paid for by the seller, though the contract controls. The premium is promulgated statewide; the deed stamps are 70¢ per $100 in Hillsborough County; the deed records with the Hillsborough County Clerk of the Circuit Court. The City’s lien search has a $25 non-refundable fee and is provided within 7 business days. The payoff settlement letter is valid for 45 days from the date of issuance. The settlement fee, the search, the lender’s charges and the prorations are on top.

Source: Bayit Title, https://bayittitle.com/cities/tampa/closing-cost-calculator

Want these figures on a full closing estimate, our fees included?Send me the estimateor call 754.253.2270

Who pays for the owner’s policy in Tampa

In Hillsborough County the owner’s policy is customarily paid for by the seller, though the contract controls.

Custom is not law. The purchase contract decides it, and in a negotiated deal either side can end up paying. Read the contract before assuming which line it falls on.

That is the custom as we see it on our own files, confirmed on September 24, 2026. It is a report of what is usual, not a rule, and not a promise about your contract.

The custom in every county is on who pays for title insurance in Florida. The calculator above puts the owner’s policy on the side Hillsborough County’s custom names.

Where the deed records

Tampa is in Hillsborough County, so the deed records with the Hillsborough County Clerk of the Circuit Court, not with the city. The charge is by the page, at a rate Fla. Stat. § 28.24(13) sets for every office in Florida; the calculator counts the pages.

Recording in person is the ONLY option to guarantee same-day service.

The office’s own words on turnaround — read from its page on September 14, 2026. Not a time we can promise.

A title search reads Hillsborough County’s records. Open or expired permits, code enforcement cases, unpaid utility balances and special assessments are the city’s to know, and take a municipal lien search directed to it, which we order on every file. Its fee is not in the calculator above.

Where the City publishes it: the City of Tampa’s lien search page.

Lien search
The City’s lien search has a $25 non-refundable fee and is provided within 7 business days. The payoff settlement letter is valid for 45 days from the date of issuance. Source

Each line restates what the page linked beside it said when it was read, on October 7, 2026: the City’s own page or a portal it links to. Offices change these pages without notice; on a file where one of them matters, ask us and we will check it again.

What an open permit does to a closing: What happens if there's an open permit on the property before closing?.

What the calculator does not price

It prices what a rule or a statute sets. On a Tampa closing that leaves:

  • Our settlement or closing fee
  • Title search and examination
  • Endorsements the lender asks for
  • Survey, municipal lien search, estoppel letters and association fees
  • The lender’s own charges, prepaid interest, escrows and prorations

The property tax proration is worked on its own on the property tax proration calculator, and a seller sees the whole side on the seller net sheet.

The whole bill, by side

Every charge set by rule or statute on a $500,000 sale with a $400,000 loan, under the side that customarily pays it. The contract can move any of them.

Owner’s policy premium
$2,575
Deed doc stamps
$3,500
Mortgage doc stamps
$1,400
Intangible tax
$800
Recording, 3-page deed
$27
Recording, 25-page mortgage
$214
Each side’s total
$2,441
$6,075

Highlighted: the lines from the topic you have open. Our own fees are not included.

Custom, not law. Each line is in the column of the side that usually pays it in a Florida sale, and the contract can move any of them. A seller has no new loan, so the mortgage lines are only ever the buyer’s.

Price your own sale, by sideEstimate a Tampa property by address

Common questions

How much are closing costs in Tampa?

The charges set by rule or statute on a $500,000 purchase with a $400,000 loan come to $2,577 on the buyer’s side and $6,075 on the seller’s: the owner’s policy at $2,575, the deed stamps at $3,500, the taxes on the mortgage and the recording. The settlement fee, the search, the lender’s charges, the association’s and the prorations are on top, and this page says what it cannot price.

Who pays closing costs in Tampa, the buyer or the seller?

Each side pays its own, and the one line that moves by custom is the owner’s policy. In Hillsborough County the owner’s policy is customarily paid for by the seller, though the contract controls. The deed’s documentary stamp tax is the seller’s under the “AS IS” contract, and the taxes on the mortgage and the lender’s policy are the borrower’s.

How much is title insurance in Tampa?

The same as anywhere in Florida: the premium is promulgated by rule, $2,575 on a $500,000 purchase at the original rate. The calculator above works it out for your price, and the lender’s policy beside it.

What are the doc stamps on a sale in Hillsborough County?

70¢ per $100 of the price, or part of $100, on the deed: $3,500 on a $500,000 sale. That is the rate in 66 of the 67 counties; Miami-Dade is the exception. A mortgage is taxed separately, at 35¢ per $100 of the loan plus the intangible tax.

Where is a deed recorded for a home in Tampa?

With the Hillsborough County Clerk of the Circuit Court, not with the city. Tampa is in Hillsborough County, and the recording charge is set by statute for every office in Florida, by the page.

What is a municipal lien search in Tampa?

A search directed to the City of Tampa itself, for open or expired permits, code enforcement cases, unpaid utility balances and special assessments, none of which is in the county’s official records. We order one on every file. What the City publishes about its search is on this page.

Can I get the exact figure rather than an estimate?

Yes. Send the contract through the request under the calculator, or upload it, and we itemize the whole closing statement, our fees included, within one business day.

Closing in Tampa

How a signing happens in Tampa, what the City publishes about its permits and code cases, and the title problems we have written about are on the Tampa title company page; the Hillsborough County figures and the recording office on the Hillsborough County page. The closing cost calculator from an address prices a specific Tampa property off the Hillsborough County property appraiser’s record.

One line at a time: the title insurance calculator, the doc stamp calculator and the reissue rate calculator, each set to Hillsborough County where the county matters.

The premium was read from its rule on September 14, 2026 and the taxes and recording charges from their statutes on September 14, 2026; the custom is Hillsborough County’s, as recorded on its page. Not a closing statement.