Florida closing cost worksheet — print or save as PDF

Build an itemized, Florida-correct closing-cost worksheet: the state's transfer taxes and promulgated title premium computed from the statutes, your quoted rate and fees typed in, escrow math done — then save it as a PDF with one click. Everything runs and prints in your browser: nothing you enter is transmitted, stored, or seen by anyone — the PDF is created by your own browser's print function.

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)

Annual property taxes (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.

Why this stays private: the worksheet is computed and printed entirely inside your browser. There is no server, no account, and no transmission — the PDF is produced by your own device's print-to-PDF function, so the numbers never exist anywhere but your screen and your file.