Closing cost calculator

Know your numbers
before closing day.

Explore estimated buyer closing costs or seller proceeds. Start with a price, add your agreed commission, and adjust the fees to fit your transaction.

Florida purchases outside Miami-Dade County. Planning estimate only. Sample fees are not quotes.

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Your transaction

Purchase / sale price ($)Sample price. Change it to the amount you have in mind.

Property-tax proration

Closing dateUsed for the calendar year and day count.Annual property-tax amount ($)Use the agreed amount for the closing year, including any agreed tax-bill adjustments. 0 leaves this proration out.

Tax proration options

Closing year’s tax billWho pays for closing day?

Uses actual calendar days: 365, or 366 in a leap year. This covers the closing year only. The unpaid-bill option credits the buyer for the seller’s share; the fully-paid option reimburses the seller for the buyer’s share. Keep this adjustment out of the other credits and costs below.

For a partially paid bill, tax installments, prior-year balances, early occupancy, or a different contract basis, set the annual amount to 0 and enter your closing agent’s quoted adjustments in the other costs / credits instead.

Estimate details

How are you buying?

Down payment (%)

Buyer-paid commission

Enter commission asAgreed rate or fee

The amount above is in %. Enter the total negotiated compensation you will pay at closing, after any compensation paid by others. Use 0 if none applies. No standard rate is assumed.

Buyer fees, credits & deposits

These sample amounts are placeholders. Replace them with your lender and title company quotes. Enter only your share.

Lender / origination fees ($)Discount points (%)Appraisal ($)Lender policy / endorsements ($)

Settlement / closing fee ($)Recording fees ($)Inspection / survey / due diligence ($)Prepaids & escrow deposits ($)Include initial insurance, prepaid interest, and escrow funding as quoted. Do not add the calculated property-tax proration here.Earnest money already paid ($)Other included costs already paid ($)Subtract only costs also included in this estimate; do not repeat earnest money.Confirmed credits applied ($)Use credits allowed by your lender and contract. Do not repeat the calculated tax credit. Eligibility limits are not calculated.Other buyer costs ($)Include any additional loan-program fees, association costs, or assessments.

Title premium & who pays what

Your signed contract determines who pays these items. Change these sample allocations to match your transaction.

Owner’s title premium paid byDeed documentary stamps paid byOwner’s title premiumBase estimate supports prices up to $1 million; use a quote above that amount.

Base premium excludes reissue discounts, endorsements, policy assessments, searches, and separate settlement fees. For financed buyers, the separate lender-policy field is also included.

What’s included—and what to confirm

For a standard Florida purchase outside Miami-Dade County, deed documentary stamps use $0.70 per $100 or fraction of the price. New recorded-mortgage documentary stamps use $0.35 per $100 or fraction of the loan. The nonrecurring intangible tax uses 0.2% of the new loan.
Cash purchases exclude mortgage taxes, lender fees, points, the appraisal allowance, and lender-policy costs. Add any cash-purchase appraisal to other costs if needed.
The original owner’s title-policy base premium uses $5.75 per $1,000 through $100,000, then $5 per $1,000 through $1 million, with a $100 minimum. Enter a title quote for higher prices, reissue rates, or other adjustments.
Prepaids, insurance, escrow funding, tax prorations, HOA fees, special assessments, loan-program charges, and other fees vary. Only the amounts entered here are included. Seller payoffs and other prorations are entered manually. Current-year property taxes are prorated only when a closing date and annual amount are entered.
Property-tax proration uses the entered annual amount and actual days in the closing calendar year (365 or 366). Closing day is assigned to the buyer unless you choose otherwise. Confirm the annual amount, bill status, contract basis, and any later re-proration with your closing agent.
Commission and cost allocations are negotiable and contract-specific. Enter only amounts you will pay. Credits and deposits must be confirmed; negative buyer results do not guarantee a refund.

Tax and title assumptions checked October 28, 2026. Sources: Florida documentary stamp tax, Florida intangible tax, and Florida title insurance guidance, and Florida Realtors contract guidance.

Know your numbers
before closing day.

Your transaction

Buyer-paid commission

Seller-paid commission

What’s included—and what to confirm

How can we help?

Know your numbersbefore closing day.

Your transaction

Buyer-paid commission

Seller-paid commission

What’s included—and what to confirm

How can we help?

Know your numbers
before closing day.