Florida closing cost estimate — just type the address
Type the home's address. We pull the public record and the seller's current tax bill, fill in a full closing worksheet, and ask you only what we can't look up: price, loan type, down payment and closing date. Want every input? Use the advanced buyer cost report.
Property address
A few quick questions
Your estimate
- Estimated monthly payment
- Estimated cash to close
- Down payment
- Loan amount
After your taxes reset
| Property taxes | Per year | Monthly payment |
|---|---|---|
| Seller's current bill | ||
| Reset — typical (85 percent of price) | ||
| Reset — conservative (100 percent) |
Planning estimate, not a Loan Estimate, a rate quote or a tax bill. Your lender's Loan Estimate and the closing agent's figures control.
Trash & recycling
The full worksheet
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.
Public record for this property
What leaves your browser: the address search goes from your browser to the U.S. Census geocoder and the Florida Department of Revenue parcel map, as on our tax lookup. For counties that publish bills, ParcelMath asks the county for that parcel's current tax bill — we send only the public parcel number, never the address — and the weekly average rate comes from Freddie Mac. For the trash and recycling days, ParcelMath asks the county's route map about the same parcel number, again never the address. Nothing you type is saved, and the worksheet prints from your own browser.
The typical lender and third-party fees come from our Florida closing costs by county study of federal mortgage data.
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.
Data verified as of October 2026.