Start with the all-in-one closing cost estimate, then dig into the details — title insurance, documentary stamp & intangible taxes, recording fees, and HOA proration. The same math you'll master in the Closing & Escrow module.
The all-in-one estimate — title insurance, documentary stamps, intangible tax, recording, and fees, in one total.
Combines the Florida title premium, documentary stamps, intangible tax, recording, and a settlement fee into one estimate.
Estimate only. Excludes endorsements, survey, HOA/estoppel, lender and prepaid items, and doesn't allocate buyer vs. seller costs. Confirm with the closing agent.
Florida title rates are promulgated (set by the state). A simultaneously-issued lender's policy is $25 when the loan is at or below the owner's amount.
Estimate only. Excludes endorsements and reissue credits. Confirm with the issuing agent / underwriter.
Deed stamps: $0.70 per $100 ($0.60 in Miami-Dade). Note stamps: $0.35 per $100. Intangible tax: $0.002 per $1 of the mortgage.
Estimate only. Miami-Dade adds a surtax on certain non-single-family transfers. Confirm with the closing agent.
Florida statutory recording: $10.00 for the first page and $8.50 for each additional page, per document. Set mortgage pages to 0 for a cash deal.
Estimate only. Some counties add indexing or documentary surcharges. Confirm with the county clerk.
Assumes the seller prepaid the full period (typical). The buyer reimburses the seller for the days the buyer owns the home — a debit to the buyer, credit to the seller.
Estimate only. If the seller hasn't prepaid, the proration flips. Always confirm dues and paid-through dates on the HOA estoppel certificate.
In the Academy's Closing & Escrow module you'll learn how these figures land on a CD or ALTA statement — and how to balance a file like a pro.