Closing Costs
Estimate your closing costs
This calculator estimates the closing costs a buyer typically pays in Florida: loan origination, doc stamps on the mortgage note, intangible tax, title insurance, appraisal, inspection, survey, recording fees, and prepaids. Every line is an estimate, and every line is negotiable.
Browser-only estimate
What will closing cost?
Enter the home price and your down payment. The cost breakdown updates as you type.
Typical buyer line items
Estimates based on common Florida rates as of 2026. Florida caps annual assessment growth (Save Our Homes) for homesteaded owners, and every closing cost is negotiable.
Get the real numbers
Bring your numbers to a free strategy call
This is a browser-only estimate to help you plan. Michael “Wiz” Wisniewski pairs the math with real lender quotes, current tax and insurance figures, and a plan that fits your goals. No obligation, no pressure.
This is a browser-only estimate using common Florida figures. Actual costs depend on your lender, title company, and negotiated terms.
In Florida, buyers customarily pay doc stamps on the note, intangible tax, title insurance, lender fees, and recording; sellers customarily pay the deed doc stamps and commission.
Wiz reviews the full Closing Disclosure with you before you sign, so there are no surprises at the table.