Coastal Collective Title

Buyer Closing Cost Estimator

See what you will need to bring to the closing table. This tool calculates your estimated cash to close including down payment, doc stamps, intangible tax, recording fees, title insurance, and settlement costs.

Purchase Details

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Loan amount: $280,000.00

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Additional Fees

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Property Tax Proration

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Florida taxes are paid in November, so the seller credits you their share from December 1 through the closing date.

Coastal Collective Title

Coastal Collective Title

3309 West Bay to Bay Blvd

Tampa, FL 33629

813-544-8626

orders@coastalcollectivetitle.com

Buyer Closing Cost Estimate · Prepared August 17, 2026

Lori LaCoppola

Prepared By

Lori LaCoppola

Owner / Managing Partner

Lori@CoastalCollectiveTitle.com

813-544-8626

Buyer Estimate

Down Payment$70,000.00

Closing Costs

Note Doc Stamps$980.00
Intangible Tax$560.00
Deed Recording$27.00
Mortgage Recording$214.00
Lender's Title(simultaneous)$25.00
Settlement Fee$725.00
Survey (if applicable)$350.00
Courier Fee (if applicable)$50.00
E-Recording Fee$35.00
Notary Fee (if applicable)$175.00
Tech/Security Fee$95.00
ALTA 9 EndorsementRestrictions, Encroachments & Minerals$185.00
ALTA 8.1 EndorsementEnvironmental Protection Lien$25.00
Agent Transaction Fee$299.00
Total Closing Costs$3,745.00

Estimated Cash to Close

$73,745.00

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Estimate only, not a quote or commitment to insure. Title premium is promulgated by the State of Florida; service fees and endorsements vary by transaction. Figures are based on the information entered and should be confirmed with your closing agent.

Coastal Collective Title · 3309 West Bay to Bay Blvd, Tampa, FL 33629 · 813-544-8626 · coastalcollectivetitle.com

Never wire funds without calling us at 813-544-8626 to verify wire instructions verbally. We will never email you a change of wire instructions.

Estimate only, not a quote or commitment to insure. Title premium is promulgated by the State of Florida; service fees and endorsements vary by transaction.

Frequently Asked Questions

What closing costs do buyers pay in Florida?+
Florida buyers typically pay note documentary stamps ($0.35 per $100 of the loan), nonrecurring intangible tax (0.2% of the loan), recording fees for the deed and mortgage, lender title insurance, settlement fee, and possibly owner title insurance depending on the county. Buyers also pay their down payment as part of cash to close.
What is intangible tax on a mortgage in Florida?+
The nonrecurring intangible tax is a one-time Florida tax of 0.2% (two mills) levied on the mortgage amount when a new mortgage is recorded. For example, on a $280,000 loan, the intangible tax would be $560. Cash purchases do not have this cost.
How much are note documentary stamps in Florida?+
Note documentary stamps are charged at $0.35 per $100 of the loan amount, rounded up to the next $100. On a $280,000 loan, note doc stamps would be $980. This tax is paid by the buyer at closing and does not apply to cash purchases.
What is cash to close and how is it calculated?+
Cash to close is the total amount a buyer needs to bring to the closing table. It equals the down payment plus all closing costs (doc stamps, intangible tax, recording fees, title insurance, settlement fee, and survey). For cash purchases, it is the full purchase price plus closing costs.
Do cash buyers pay less in closing costs than financed buyers?+
Yes. Cash buyers avoid note documentary stamps, intangible tax, mortgage recording fees, and lender title insurance. Their closing costs are limited to deed recording, settlement fee, survey (if desired), and possibly owner title insurance. However, the total cash to close is higher because the full purchase price replaces a down payment.
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