Florida Closing Cost & Doc Stamp Calculator
Estimate Florida documentary stamp tax on the deed and the mortgage, the intangible tax, and state-promulgated title insurance, all in one place, for any of the 67 counties.
Closing cost estimate
| Item | Usually paid by** | Amount |
|---|
*The Miami-Dade surtax exemption covers documents that transfer only a single-family dwelling. Ask your closing agent how a condo will be treated. **Who pays is set by your contract and local custom. Who pays the ownerIn most counties the seller pays deed stamps and the owner's title policy; in Miami-Dade, Broward, Sarasota, Collier and some others the buyer often pays the owner's policy. Treat these as defaults only.#39;s title policy varies by county custom. Treat these as defaults only.
Florida doc stamp calculator
Florida title insurance calculator (promulgated rates)
| Coverage | Rate per $1,000 |
|---|---|
| $0 to $100,000 | $5.75 |
| Over $100,000 to $1M | $5.00 |
| Over $1M to $5M | $2.50 |
| Over $5M to $10M | $2.25 |
| Over $10M | $2.00 |
Minimum premium is $100, and any fraction of $100 counts as a full $100. A lender's policy issued at the same time costs $25 up to the owner's amount, with any excess at the regular rates. Reissue credits and endorsements are not included.
How Florida doc stamps work
Deeds are taxed at $0.70 per $100 of consideration, or portion of $100 (s. 201.02, F.S.). Miami-Dade uses $0.60 per $100, plus a $0.45 per $100 surtax unless the deed transfers only a single-family dwelling (s. 201.031). Mortgages and notes are taxed at $0.35 per $100 (s. 201.08). The $2,450 cap applies only to unsecured notes, not recorded mortgages. The nonrecurring intangible tax is 2 mills, or 0.2%, of a mortgage-secured loan (s. 199.133).
Rates last verified: from official sources: FL Dept. of Revenue: Documentary Stamp Tax · s. 201.02 F.S. · s. 201.031 · s. 201.08 · s. 199.133 · Rule 69O-186.003 F.A.C. (title rates) · FL Office of Insurance Regulation. This is an estimate, not a closing disclosure or legal advice. Confirm with your title company or closing attorney.
FAQ
How much are doc stamps in Florida?
$0.70 per $100 of the sale price on the deed in every county except Miami-Dade, which charges $0.60 per $100 plus a $0.45 surtax unless the property is a single-family dwelling. On a $400,000 sale outside Miami-Dade that is $2,800.
What are doc stamps on a Florida mortgage?
$0.35 per $100 of the loan amount, plus intangible tax of 0.2% of the loan. On a $320,000 loan that is $1,120 in stamps and $640 in intangible tax.
How much is title insurance in Florida?
Florida sets title insurance premiums by rule: $5.75 per $1,000 up to $100,000, then $5.00 per $1,000 up to $1 million, with lower rates above that and a $100 minimum. A $400,000 policy is $2,075.
Who pays doc stamps in Florida?
By custom the seller usually pays deed doc stamps, and the buyer pays mortgage stamps and intangible tax, but the contract controls.