Set by statute, rule and federal law
Florida closing cost figures, in one place
The short answer
Florida sets the taxes and recording charges on a closing by statute, and the title insurance premium by rule. As read in 2026: the documentary stamp tax on a deed is 70¢ per $100 of the price in every county but Miami-Dade, where it is 60¢, or $1.05 with the surtax charged where the property is not a single-family residence. A mortgage carries stamps of 35¢ per $100 and an intangible tax of $2 per $1,000 of the loan. Recording is $10 for the first page and $8.50 for each page after. The owner’s policy is $5.75 per $1,000 of coverage on the first $100,000 of liability and $5.00 per $1,000 from $100,000 to $1,000,000, under Fla. Admin. Code R. 69O-186.003.
Source: Bayit Title, https://bayittitle.com/closing-costs/figures
Each figure sits beside the section of the statute or rule that sets it, linked to the text, with the date that text was last read. Which side of the closing pays each one is not on this page: the purchase contract decides that, and county custom fills in where it is silent, as who pays for title insurance in each county shows. Every row is also in the CSV, with its source link and date.
What is the documentary stamp tax on a Florida deed?
Set by Florida statute, read September 14, 2026- Deed stamps, every county but Miami-Dade
- 70¢ per $100 of consideration, or part of $100 Charged on each part of $100, so the figure rounds up, not down. Fla. Stat. § 201.02(1)(a)
- Deed stamps, Miami-Dade
- 60¢ per $100 of consideration, or part of $100 Lower than the rest of Florida because the 10-cent increase in ch. 92-317 was never applied here. Fla. Stat. §§ 201.02(1)(a), 201.0205
- Miami-Dade surtax on the deed
- 45¢ per $100 of consideration, or part of $100 Not charged where the interest conveyed involves only a single-family residence. Fla. Stat. §§ 201.031, 125.0167
On your own figures: The doc stamp tax calculator.
What taxes are charged on a mortgage?
Set by Florida statute, read September 14, 2026- Documentary stamp tax on the mortgage
- 35¢ per $100 of the amount secured, or part of $100 The $2,450 cap in § 201.08(1)(a) is on the tax on a note or other written obligation to pay money. There is no cap on the tax on a mortgage recorded against Florida property. Fla. Stat. § 201.08(1)(b)
- Nonrecurring intangible tax
- 2 mills on each dollar secured — $2 per $1,000 One time, on the obligation the mortgage secures. Fla. Stat. § 199.133(1)
Under § 201.09, a note that only renews an existing note, signed by the same borrower and not enlarging it, is not taxed, and nor is the mortgage securing it; a renewal that increases the unpaid balance is taxed only on the increase. Fla. Stat. § 201.09.
Under § 199.145(4), refinancing a loan the tax was paid on, with the original lender or its assignee, owes nothing up to the unpaid principal and accrued interest; above that, where the same borrower stays liable, only the excess is taxed. Fla. Stat. § 199.145(4).
On your own figures: The intangible tax calculator.
What does the clerk charge to record a deed or mortgage?
Set by Florida statute, read September 14, 2026- Recording, first page
- $10.00 $5.00 service charge, plus $1.00 to the Public Records Modernization Trust Fund, plus $4.00. Fla. Stat. § 28.24(13)(a), (d)1., (e)
- Recording, each page after the first
- $8.50 $4.00 service charge, plus 50¢ to the trust fund, plus $4.00. Fla. Stat. § 28.24(13)(b), (d)2., (e)
- Indexing, per name over four
- $1.00 Reached by a deed with several grantors, or by a mortgage naming a trust. Fla. Stat. § 28.24(13)(c)
On your own figures: How long recording takes, by county.
What is the reissue rate, and who qualifies?
Set by Florida rule, read September 14, 2026- Reissue rate, first $100,000 of liability
- $3.30 per $1,000
- Reissue rate, $100,000 to $1,000,000
- $3.00 per $1,000
- Reissue rate, $1,000,000 to $10,000,000
- $2.00 per $1,000
- Reissue rate, over $10,000,000
- $1.50 per $1,000
The reissue rate applies where:
- The owner’s or the seller’s own title was insured, and both we and the underwriter keep a copy of that policy.
- The new policy is dated less than three years after the policy that insured the owner or seller — this is the common one.
- Or it is a mortgage policy on a refinance of property insured by an owner’s policy that insured this same borrower.
On your own figures: The reissue rate calculator.
When is Florida property tax due, and what is the discount?
Set by Florida statute, read October 8, 2026- Due
- November 1 Taxes are “due and payable on November 1 of each year or as soon thereafter as the certified tax roll is received by the tax collector,” and become delinquent on April 1 of the year after, or 60 days after the tax notice is mailed if that is later. Fla. Stat. § 197.333
- Discount for paying early
- Up to 4% Paid early, the bill is discounted 4% in November, 3% in December, 2% in January and 1% in February; in March it is paid in full. Fla. Stat. § 197.162(1)
On your own figures: The property tax proration calculator.
How much homestead savings can a seller carry to the next home?
Set by Florida statute, read November 5, 2026- The most that can be carried
- $500,000 “Property assessed under this section shall be assessed at less than just value when the person who establishes a new homestead has received a homestead exemption as of January 1 of any of the 3 immediately preceding years.” Fla. Stat. § 193.155(8)
On your own figures: The homestead portability calculator.
What can an association charge for an estoppel certificate?
Set by Florida statute, read October 12, 2026- Account current
- Not more than $299
- Requested expedited, delivered in 3 business days
- $119 more
- Owner delinquent
- Up to $179 more
- Not delivered in 10 business days
- No fee may be charged
A Florida condominium or HOA may charge at most $299 for an estoppel certificate when the account is current, $119 more if requested expedited and delivered within 3 business days, and up to $179 more when the owner is delinquent. Those are the state's inflation-adjusted amounts; the statutes print $250, $100 and $150. A late certificate carries no fee. Fla. Stat. §§ 718.116(8), 720.30851.
On your own figures: The estoppel fees guide.
What does a buyer withhold when the seller is a foreign person?
Set by federal law, read October 8, 2026- Withholding
- 15% of the amount realized Generally the gross sales price: not the seller’s net proceeds, and not the gain. Withheld by the buyer. 26 U.S.C. § 1445(a)
- Buyer will live there, $300,000 or less
- No withholding Where the buyer acquires the property as a residence, and the buyer or a member of the buyer’s family has definite plans to live there for at least 50% of the days it is used by anyone during each of the first two 12-month periods after the transfer. IRS, FIRPTA withholding
- Buyer will live there, over $300,000 up to $1,000,000
- 10% of the amount realized On the same condition. Above $1,000,000, or where the buyer will not live there, the full 15% applies. IRS, FIRPTA withholding
- Reported and paid over
- Within 20 days of the transfer On Form 8288, with a Form 8288-A for each foreign seller. Treas. Reg. § 1.1445-1(c)(1)
On your own figures: FIRPTA withholding, in figures.
What do they come to on a $500,000 sale?
With a $400,000 loan, worked from the figures above| Line | Amount | On |
|---|---|---|
| Deed stamps, every county but Miami-Dade | $3,500 | $500,000 at the deed rate |
| Deed stamps, Miami-Dade | $3,000 | $500,000 at Miami-Dade’s deed rate |
| Miami-Dade surtax, where it is not a single-family residence | $2,250 | $500,000 at the surtax rate |
| Mortgage stamps | $1,400 | $400,000 loan |
| Intangible tax | $800 | $400,000 loan |
| Owner’s policy at the original rate | $2,575 | $500,000 of coverage |
| Owner’s policy at the reissue rate | $1,530 | $500,000 of coverage, all of it within the previous policy |
The same arithmetic, county by county, is on Florida closing costs by county, and on your own price and loan in the closing cost calculator.
What is not on this page?
The lines no statute or rule setsThese are priced by whoever provides them, so no figure here can stand for them. A quote itemizes them; send us the contract and we reply with every line.
- 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
What each city publishes about its own lien search fee is on municipal lien search fees, by city.
Common questions
What is the documentary stamp tax rate in Florida?
On a deed, 70¢ per $100 of the price, or part of $100, in every county but Miami-Dade, where it is 60¢ plus a 45¢ surtax unless the property is a single-family residence. On a mortgage, 35¢ per $100 of the amount it secures, with no cap.
How much is the intangible tax on a Florida mortgage?
$2 per $1,000 of the loan, paid once when the mortgage is recorded, under Fla. Stat. § 199.133(1). On a $400,000 loan that is $800.
What does it cost to record a deed in Florida?
$10 for the first page and $8.50 for each page after it, under Fla. Stat. § 28.24(13), at every clerk in the state. A two-page deed is $18.50.
How is the Florida title insurance premium worked out?
From the schedule in Fla. Admin. Code R. 69O-186.003: a rate per $1,000 of coverage that falls as the amount rises, with a minimum of $100. On a $500,000 sale the owner’s policy is $2,575 at the original rate, or $1,530 at the reissue rate where the seller’s policy is less than three years old and insured at least as much.
Are these figures the same in every Florida county?
All of them but one. The deed stamp rate is lower in Miami-Dade, which also charges a surtax on a deed that is not for a single-family residence. What differs everywhere is who pays each line, which the purchase contract decides and county custom fills in.