Estimated Closing Costs

The Florida Department of Insurance establishes rates for the title insurance that all title companies must charge. In addition to the rates below, buyers, sellers, or borrowers may pay a search fee, closing fee, and examination fee. (See projected closing costs below the rates chart.) Call us for a competitive quote!

Buyer's Projected Closing Costs - Cash Transactions


· One Year Homeowners Insurance (Buyers should obtain)
· One Year Flood Insurance (if applicable)
· Recording Fees - Deed $10.00-$18.50
· Inspection Costs (as per contract)

       Pest/Termite Inspection - $100.00 approx. if desired or required per contract

       Roof Inspection - $100.00 approx. if desired or required per contract

· Prepaid Maintenance / Association Dues
· Survey (optional) - $300+
· Flood Elevation Certificate (optional) - $150+

· Title Fees
       Title Closing Fee - $410
          Bank Wire/Check Handling Fee - Included in closing fee

          Document Imaging - Included in closing fee

          Courier Fees - Included in closing fee
· Taxes prorated to date of closing
· Homeowners Association/Condo Fees prorated to closing

Buyer's Projected Closing Costs – with a mortgage/loan

· Possible Mortgage Costs
       Loan Origination Point
       Loan Discount Point
       Appraisal Fee
       Credit Report
       Lender's Inspection Fee
       Tax Related Fee
       Wire Transfer Fee

· Escrow Fees for taxes and insurance (required by the lender to be paid in advance)
· Private Mortgage Insurance (PMI) or (MIP)
· One Year Homeowners Insurance
· One Year Flood Insurance (if applicable)
· Pest/Termite Inspection - $100.00 approx. if desired or required per contract
· Roof Inspection - $100.00 approx. if desired or required per contract
· Prepaid Maintenance / Association Dues
· Survey - $300+
· Flood Elevation Certificate (if required) - $150+
· Government Fees
       Recording Fees (Deed $10.00-$18.50, Mortgage $200.00 ESTIMATED)
       Intangible Tax on Mortgage ($0.20/100 of the mortgage amount)
       Doc Stamp on Mortgage - ($0.35/100 of the mortgage amount)     

· Title Fees
       Title Closing Fee - $410
       Loan Closing Fee - $300
            Bank Wire/Check Handling Fee - Included in closing fee
            Document Imaging - Included in closing fee
            Courier Fees - Included in closing fee
       Lender's Title Insurance Policy - $25 (if simultaneously issued with the Owners Title Insurance Policy)
       Endorsements as required - Typically about $100+
· Taxes prorated to date of closing
· Homeowners Association/Condo Fees prorated to closing

✿ Seller's Projected Closing Costs

· Real Estate Commission
· Government Fees
       Doc Stamps on Deed - ($0.70 per $100.00 based on purchase price)
       Recording Fee (if applicable for payoff releases, NOT, etc.)
· Taxes prorated to date of closing
· Homeowners Association/Condo Fees prorated to closing     

· Title Fees
       Title Closing Fee - $300
            Bank Wire/Check Handling Fee - Included in closing fee
            Document Imaging - Included in closing fee
            Courier Fees - Included in closing fee         

       Title Search Fee - $85.00
       Municipal Lien Search - $90 - $185 

       Owner Title Insurance - Card Rate at purchase price $5.75 per $1000.00
· Association Estoppel Search - ($50 - $400 EST. charge from the association) 
· Payoff existing loan(s)

✿ Promulgated Title Insurance Rates

Sales Price              Title Insurance

$ 45,000.00          $ 258.75

$ 50,000.00          $ 287.50

$ 55,000.00          $ 316.25

$ 60,000.00          $ 345.00

$ 65,000.00          $ 373.75

$ 70,000.00          $ 402.50

$ 75,000.00          $ 431.25

$ 80,000.00          $ 460.00

$ 85,000.00          $ 488.75

$ 90,000.00          $ 517.50

$ 95,000.00          $ 546.25

$ 100,000.00        $ 575.00

$ 105,000.00        $ 600.00

$ 110,000.00        $ 625.00

$ 115,000.00        $ 650.00

$ 120,000.00        $ 675.00

$ 125,000.00        $ 700.00

$ 130,000.00        $ 725.00

$ 135,000.00        $ 750.00

$ 140,000.00        $ 775.00

$ 145,000.00        $ 800.00

$ 150,000.00        $ 825.00

$ 155,000.00        $ 850.00

$ 160,000.00        $ 875.00

$ 165,000.00        $ 900.00

$ 170,000.00        $ 925.00

$ 175,000.00        $ 950.00

$ 180,000.00        $ 975.00

$ 185,000.00     $ 1,000.00

$ 190,000.00     $ 1,025.00

$ 195,000.00     $ 1,050.00

$ 200,000.00     $ 1,075.00

$ 205,000.00     $ 1,100.00

$ 210,000.00     $ 1,125.00

$ 215,000.00     $ 1,150.00

$ 220,000.00     $ 1,175.00

$ 225,000.00     $ 1,200.00

$ 230,000.00     $ 1,225.00

$ 235,000.00     $ 1,250.00

$ 240,000.00     $ 1,275.00

$ 245,000.00     $ 1,300.00

$ 250,000.00     $ 1,325.00

$ 255,000.00     $ 1,350.00

$ 260,000.00     $ 1,375.00

$ 265,000.00     $ 1,400.00

$ 270,000.00     $ 1,425.00

Sales Price           Title Insurance

$ 275,000.00     $ 1,450.00

$ 280,000.00     $ 1,475.00

$ 285,000.00     $ 1,500.00

$ 290,000.00     $ 1,525.00

$ 295,000.00     $ 1,550.00

$ 300,000.00     $ 1,575.00

$ 305,000.00     $ 1,600.00

$ 310,000.00     $ 1,625.00

$ 315,000.00     $ 1,650.00

$ 320,000.00     $ 1,675.00

$ 325,000.00     $ 1,700.00

$ 330,000.00     $ 1,725.00

$ 335,000.00     $ 1,750.00

$ 340,000.00     $ 1,775.00

$ 345,000.00     $ 1,800.00

$ 350,000.00     $ 1,825.00

$ 355,000.00     $ 1,850.00

$ 360,000.00     $ 1,875.00

$ 365,000.00     $ 1,900.00

$ 370,000.00     $ 1,925.00

$ 375,000.00     $ 1,950.00

$ 380,000.00     $ 1,975.00

$ 385,000.00     $ 2,000.00

$ 390,000.00     $ 2,025.00

$ 395,000.00     $ 2,050.00

$ 400,000.00     $ 2,075.00

$ 405,000.00     $ 2,100.00

$ 410,000.00     $ 2,125.00

$ 415,000.00     $ 2,150.00

$ 420,000.00     $ 2,175.00

$ 425,000.00     $ 2,200.00

$ 430,000.00     $ 2,225.00

$ 435,000.00     $ 2,250.00

$ 440,000.00     $ 2,275.00

$ 445,000.00     $ 2,300.00

$ 450,000.00     $ 2,325.00

$ 455,000.00     $ 2,350.00

$ 460,000.00     $ 2,375.00

$ 465,000.00     $ 2,400.00

$ 470,000.00     $ 2,425.00

$ 475,000.00     $ 2,450.00

$ 480,000.00     $ 2,475.00

$ 485,000.00     $ 2,500.00

$ 490,000.00     $ 2,525.00

$ 495,000.00     $ 2,550.00

$ 500,000.00     $ 2,575.00

I/We understand that the above closing costs and figures, including amount of existing mortgages, are ESTIMATED ONLY and that the final cost and all pro-rations will be calculated by the closing agent, subject to the individual lending policies and fee schedules of the selected lenders. The above are estimated figures only and are not warranted. We understand that should we have questions or concerns about the financial implications of this information, we should seek the advice of a qualified CPA or tax attorney.