Florida Buyer & Seller Closing Cost Guide (2026): $0.70/$100 Doc Stamps ($0.60 Miami-Dade), 0.2% Intangible Tax, Title Custom & CDD Fees

A county-by-county 2026 statutory breakdown of how much closing costs are in Florida, who pays owner title insurance in Miami-Dade, Broward, Palm Beach, and Collier versus Orlando, Tampa, and Jacksonville, how Florida Documentary Stamp Taxes ($0.70/$100 vs. $0.60/$100 + $0.45 surtax) and the 0.20% Non-Recurring Intangible Tax are calculated, and how Community Development District (CDD) bond assessments affect your settlement statement.

How Much Are Closing Costs in Florida in 2026? (Buyer vs. Seller Split)

In 2026, total statutory closing costs in Florida average 2.25% to 3.50% of the purchase price for home buyers (when financing with a mortgage) and 1.50% to 2.25% for home sellers prior to real estate broker commissions (or 6.50% to 7.75% inclusive of negotiated buyer/seller agent compensation). Unlike New York or Pennsylvania where transfer taxes dominate both sides of the ledger, Florida bifurcates its statutory transaction taxes by instrument: sellers customarily pay the Deed Documentary Stamp Tax (Fla. Stat. § 201.02), while financed buyers pay both the Promissory Note Documentary Stamp Tax ($0.35 per $100, Fla. Stat. § 201.08) and the Non-Recurring Intangible Personal Property Tax ($0.20 per $100 = 0.20%, Fla. Stat. § 199.133) on the new mortgage principal.

Who Pays Closing Costs & Owner Title Insurance in Florida? (The 67-County Custom Divide)

One of the most frequently misunderstood rules in Florida real estate underwriting is who pays for the Owner’s Title Insurance Policy (promulgated under Rule 69O-186.003, Florida Administrative Code, at $5.75 per $1,000 up to $100,000 and $5.00 per $1,000 from $100,000 to $1,000,000). Under the standard FAR/BAR Residential Contract for Sale and Purchase, county custom governs Line 9(c):

• Miami-Dade, Broward, Palm Beach, Collier (Naples) & Sarasota Counties (Check Box ii — Miami-Dade/Broward Regional Provision): The Buyer selects the closing agent and pays for the Owner’s Title Insurance Policy (or in Palm Beach/Collier negotiated riders, the Seller pays). In practice across South Florida luxury transactions, verifying Box 9(c)(i) vs. Box 9(c)(ii) shifts $5,075 on a $1,000,000 closing.
• Orlando (Orange/Seminole), Tampa (Hillsborough/Pinellas), Jacksonville (Duval) & 62 Standard Counties (Box i): The Seller designates the title agent and pays for the Owner’s Title Insurance Policy.

Florida Documentary Stamp Tax on Deeds ($0.70/$100 vs. Miami-Dade $0.60/$100 + $0.45 Surtax)

Under Fla. Stat. § 201.02(1)(a), 66 of Florida’s 67 counties levy a flat Documentary Stamp Tax on deeds of $0.70 per $100 (0.70%) of total consideration, rounded up to the nearest $100 increment. On a $1,000,000 home in Palm Beach, Boca Raton, Tampa, Orlando, or Naples, the deed doc stamp is exactly $7,000. In Miami-Dade County alone, the statutory base rate is $0.60 per $100 (0.60%) for single-family residences ($6,000 on $1,000,000); however, for condominiums, multi-family buildings, commercial properties, and vacant land in Miami-Dade, an additional $0.45 per $100 Discretionary Surtax applies, bringing the combined Miami-Dade non-SFH deed tax to $1.05 per $100 (1.05%).

What Is a CDD Fee in Florida & How Is It Prorated at Closing?

A Community Development District (CDD) is a special-purpose local government unit authorized under Chapter 190, Florida Statutes, to finance infrastructure (roads, water management, clubhouses, and utilities) in master-planned communities across Tampa/Wesley Chapel, Orlando/Lake Nona, Jacksonville/St. Johns, and Southwest Florida. Every CDD assessment consists of two components collected directly on the county ad valorem property tax bill: (1) the Capital Bond Debt Service Assessment (typically $1,200 to $3,500/year for 20–30 years, which can be paid off in lump sum at closing), and (2) the Operations & Maintenance (O&M) Assessment ($600 to $2,000/year, perpetual). At closing, the annual CDD non-ad valorem assessment is prorated between buyer and seller based on the October 1 to September 30 fiscal year.

Interactive 2026 Statutory Model & CPA Verification Checklist

Use the interactive simulator embedded above—or open the standalone Florida Buyer & Seller Closing Cost Guide (2026): $0.70/$100 Doc Stamps ($0.60 Miami-Dade), 0.2% Intangible Tax, Title Custom & CDD Fees Simulator →—to model your exact 2026 dollar figures, compare pre-loaded East Coast presets, and email or export a CSV/PDF worksheet for your CPA or real estate attorney.