Florida buyer cost report

Enter the address and purchase price once. Review the public record, estimate future buyer taxes, then complete the closing worksheet using your quotes. Calculations stay in this page's memory; reloading clears them. Only an explicit property search sends the address to the existing public government lookup services. No report inputs are saved, placed in a URL, or sent to ParcelMath.

2. Buyer taxes · 3. Closing and report

1. Property record

2. Purchase price and future taxes

The lookup's seller tax estimate is not a confirmed bill. Enter the actual current bill below if available. It is kept separate from your future buyer taxes.

Purchase price

County

This will be my homestead (primary residence)

I'm porting Save Our Homes savings from a prior Florida homestead

Listing's current annual tax bill (optional — find it with the tax lookup)

Listing's current taxable value (optional — with the bill, this switches the math to the parcel's real blended rate)

Exemptions & discounts — senior, veteran, disability, surviving spouse (all of Florida's statewide relief programs)

Widow or widower — $5,000 (§196.202)

Legally blind — $5,000 (§196.202)

Totally & permanently disabled — $5,000 (§196.202)

Veteran with 10 percent or greater service-connected disability — $5,000 (§196.24)

Senior 65+ with household income under $38,686 (2026 limit) — up to $50,000 MORE, but ONLY if your county or city has adopted it and only against that government's own levy — ask your Property Appraiser (§196.075(2); modeled here as the adopted best case)

Senior 65+, same income limit, 25+ years in the home, just value under $250,000 — the adopting government's taxes drop to zero (§196.075(3))

Veteran with service-connected TOTAL & permanent disability (or wheelchair-confined §196.091, or the qualifying surviving spouse) — fully exempt, all levies (§196.081)

Quadriplegic (no income test), or paraplegic / hemiplegic / wheelchair-required / legally blind with household income under $37,712 (2026 limit) — fully exempt (§196.101)

First responder totally & permanently disabled in the line of duty, or the surviving spouse of one killed in the line of duty — fully exempt (§196.102, §196.081(6))

Combat-related disability rating, veteran age 65+ (percent, e.g. 70 — discounts the tax LEFT after exemptions by that percentage; §196.082)

Days deployed last year on a qualifying operation (military; prorates the remaining tax; §196.173)

Estimated buyer taxes

Scenario	Taxable (school · other levies)	Annual	Monthly escrow

Informational estimate. The school/non-school split uses the county's average school-district millage (Florida DOR) — several exemptions don't reduce school taxes, and the senior local option applies only where adopted, so treat those lines as the best case. Full exemptions (§196.081, §196.091, §196.101, §196.102) assume you qualify and are approved by the Property Appraiser; income limits shown are the DOR's 2026 adjustments. District rates vary within a county; the county's own estimator and TRIM notice control. How the counties compare on an identical home: the Florida property tax by county data study.

Buyer budget scenario

Annual non-ad-valorem assessments not already included

Confirm assessments with the county. If using the actual bill and taxable value, the estimator's effective rate already blends assessments; avoid adding them twice.

3. Quotes, closing and report

Monthly HOA / condo dues (enter 0 if none)

Annual flood / other separate insurance (enter 0 if none)

Monthly maintenance / utilities budget (enter 0 to exclude)

Enter any flood premium due at closing, HOA transfer fees, recording fees and other closing charges in Other services below. The separate insurance field adds monthly budget cost only. Confirm escrow months and all credits with your closing agent.

Buyer cost report

Estimated monthly ownership cost: Awaiting inputs
Estimated cash to close: Awaiting inputs
Seller annual taxes for closing proration
Buyer future annual taxes for budgeting and escrow

Planning estimate, not a Loan Estimate or a tax bill. Seller proration uses the current bill through the day before closing; buyer taxes model the future reassessment. Missing amounts are excluded, not assumed to be free. Contract terms and official quotes control. Uses the existing lookup and tax estimator data (August 2026 verification); this report does not refresh those underlying datasets.

Transaction type

Loan program (auto-selected for VA IRRRL and FHA streamline)

Monthly mortgage insurance, if any (from your quote — conventional PMI is priced by credit and coverage, not a fixed table)

Purchase price

Loan amount

Your quoted interest rate (percent — from YOUR lender's quote or Loan Estimate; this worksheet never suggests a rate)

Term (years)

County

Homestead (primary residence)

My purchase agreement makes the buyer pay the deed documentary stamps (by custom the seller pays them)

Who pays the owner's title policy (customary and negotiable)

Closing date (sets the per-diem interest days and the property-tax proration credit; leave blank for a 1-day placeholder and no proration)

Seller annual taxes for closing proration (current bill; blank = unknown, no credit)

Buyer future annual property taxes for budgeting and escrow (blank = estimate from the county average)

Annual homeowner's insurance (from your quote)

Lender fees (origination, underwriting — from your quote)

Other services (appraisal, credit, survey, settlement fee — from your quotes)

Title reissue may apply (seller's prior policy under 3 years)

Months of taxes in escrow at closing

Months of insurance in escrow

Seller credit toward closing costs (from your contract)

Earnest money deposit already paid

ParcelMath — Florida Closing Cost Worksheet — prepared

Total monthly payment principal & interest + taxes + insurance + any mortgage insurance

Estimated cash to close after every credit — itemized below

Total loan amount

Estimated monthly payment

Principal & interest
Property taxes (monthly)
Insurance (monthly)
Mortgage insurance (monthly)
Total PITI

Closing costs

Program upfront fee
Total note amount (base loan + financed fee — drives the taxes, title, and payment below)
Lender & service fees (your quotes)
Deed documentary stamps
Mortgage documentary stamps
Nonrecurring intangible tax
Owner's title policy
Lender's title policy (Section C, full rate before adjustment)
Florida taxes & title subtotal
Tax escrow deposit
Insurance escrow deposit
First year's insurance premium
Per-diem interest
Prepaids & escrows subtotal
Total estimated costs
Down payment
Title premium adjustment (credit, CD Section L — nets the lender's policy to the simultaneous rate)
Seller credit
Earnest money deposit (already paid)
Property tax proration (seller's share of this year, credited to you)
Cash out to you
Total credits
Estimated cash to close

How to read this worksheet: Documentary stamps and the intangible tax are Florida's state taxes on recording the deed and the new mortgage. Title insurance protects the home's ownership and the lender's lien — on a purchase the lender's policy is listed at its full rate and the "title premium adjustment" credit then nets it down to the small simultaneous-issue premium actually paid. Escrow deposits are the cushion your servicer collects up front toward next year's tax and insurance bills — money held for you, not a fee. Per-diem interest covers your closing day through month-end. Credits are everything that reduces what you bring to closing: any seller credit, the deposit you already paid, the property-tax proration, the title premium adjustment, and any cash-out proceeds.

Any rates, payments, or terms shown are examples for illustration only, are not an offer to lend, and could change or may not be available at commitment or closing. Payment examples do not include amounts for taxes and insurance premiums; the actual payment obligation will be greater. Deed and mortgage stamps, intangible tax, and title premiums are computed from Fla. Stat. §§201.02, 201.08, 199.133 and Rule 69O-186.003; who pays which item is customary and negotiable — this worksheet places buyer-side items only when you enter them that way. On a purchase the lender's title policy is shown at its full rate the way a Closing Disclosure does (Section C), with the title premium adjustment credit (Section L) netting it to the simultaneous-issue premium; property taxes are prorated in arrears from January 1 through the day before closing. Program fees come from the official schedules: the VA funding fee from 38 U.S.C. §3729 (exemptions per §3729(c), stated on the Certificate of Eligibility); FHA upfront and annual MIP from HUD Handbook 4000.1 Appendix 1.0 (Mortgagee Letter 2023-05; UFMIP financing per 24 CFR §203.18c; streamlines of loans endorsed on or before May 31, 2009 keep grandfathered rates your lender applies); the USDA guarantee and annual fees from 7 CFR 3555.107. Monthly MIP and the USDA annual fee are first-year approximations of the official average-balance formulas.