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.
ParcelMath — Florida Closing Cost Worksheet — prepared
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 |
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.
Quick answers
What does this Florida closing cost worksheet calculate?
It itemizes Florida's statutory closing costs — deed and mortgage documentary stamps, the nonrecurring intangible tax, and the promulgated title insurance premium — computed under Fla. Stat. §201.02, 201.08, 199.133 and Rule 69O-186.003, then combines them with the rate and fees you type in from your own quote to build an estimated monthly payment and cash-to-close. It covers both purchase and refinance transactions, including conventional, FHA, VA, USDA, and non-QM programs. Your lender's official Loan Estimate and Closing Disclosure control over this worksheet.
Is my information saved or sent anywhere when I use this tool?
No. Everything you enter is computed and printed entirely inside your own browser — there is no server, account, or transmission involved. The PDF is produced by your browser's own print function, so the figures exist only on your screen and in your saved file.
How does the worksheet handle title insurance on a purchase?
On a purchase, the lender's title policy is listed at its full promulgated rate the way a Closing Disclosure shows it (Section C), and a title premium adjustment credit (Section L) then nets that down to the smaller simultaneous-issue premium actually paid alongside the owner's policy. Title premiums are computed under Rule 69O-186.003.
Does the worksheet account for VA, FHA, or USDA loan fees?
Yes. It automatically computes the VA funding fee under 38 U.S.C. §3729 (with exemptions per §3729(c) as stated on the Certificate of Eligibility), FHA upfront and annual MIP per HUD Handbook 4000.1 Appendix 1.0 (Mortgagee Letter 2023-05 rates), and the USDA guarantee and annual fees under 7 CFR 3555.107, then folds the applicable fee into the note amount that drives the rest of the worksheet.
Data verified as of August 2026.