Florida Closing Cost Estimator
Buyer and seller scenarios with Florida statutory math built in. Pre-tuned to Collier County (Kalea Bay default) with Bonita Springs as a comparison option.
Cash to Close
$928,629
- Down payment
- $875,000
- Estimated closing costs
- $43,638
- Prepaids (insurance + tax escrow)
- $9,992
Itemized breakdown
- Loan origination1.00% of loan$26,250
- Appraisal$600
- Survey$500
- Home inspection$500
- Doc stamps on note$0.35 per $100 of loan$9,188
- Intangible tax on note$0.002 per $1 of loan$5,250
- Recording feesApprox. $10 per page$100
- Settlement / closing fee$750
- Lender title (if loan)$500
- Prepaid insurance (12 months)$4,800
- Property tax escrow (2 months)Collier County$5,192
What the calculator already knows
Doc stamps on the deed: $0.70 per $100 of sale price (seller-side). Doc stamps on the note: $0.35 per $100 of loan (buyer-side). Intangible tax on the note: $0.002 per $1 of loan (buyer-side). Owner's title insurance follows the Florida promulgated tier rate, with the base $25 issuance fee.
All figures update live as you adjust the inputs. The itemized breakdown under each result panel shows every line that contributed to the total.
Costs that vary by lender, building, and closing agent
Loan origination, settlement and closing fees, the lender title premium, and the most recent HOA dues schedule and estoppel cost are estimates. The actual numbers come from your Loan Estimate, your closing agent's title commitment, and the HOA's most recent statement. We pull all three for every Kalea Bay buyer in our representation package.
FAQ
Florida closing questions, answered
Who pays for the owner's title insurance in Florida?
By Florida custom in most counties (including Collier), the seller pays for the owner's title insurance policy. This is fully negotiable and the calculator above lets you toggle between Seller pays, Buyer pays, and a 50/50 split.
What are the Florida documentary stamps?
Florida charges $0.70 per $100 of the sale price as documentary stamps on the deed (typically a seller line). On the loan note (typically a buyer line) Florida charges $0.35 per $100 of the loan amount, plus an intangible tax of $0.002 per $1 of the loan amount.
What is Collier County's property tax rate?
Collier County's average effective property tax rate is approximately 0.89% of assessed value, one of the lowest in Florida. The calculator uses this for the prepaid tax escrow line. Bonita Springs runs closer to 1.10%, useful as a comparison if you are weighing addresses just to the north of Naples.
What does the HO-6 insurance line cover?
HO-6 is the interior-only condominium policy. The building exterior, common elements, and amenity deck are covered by the HOA's master policy and funded by your dues. HO-6 is meaningfully less expensive than a single-family Florida coastal policy.
Why do I see a separate HOA estoppel and transfer fee?
Florida HOAs charge an estoppel fee (typically $250) to certify the seller's account is current at closing, and a transfer fee (typically $200) to process the change of ownership in the association records. Both are seller-side at most Kalea Bay closings.
Let's find your residence at Kalea Bay.
Whether you're weighing a Tower 100 sunrise view against a west-facing Tower 500 penthouse, Mindy will guide every comparison with floor plans, recent comps, and an honest assessment of fit.