---
title: "Florida Buyer & Seller Closing Cost Guide (2026): $0.70/$100 Doc Stamps ($0.60 Miami-Dade), 0.2% Intangible Tax, Title Custom & CDD Fees"
canonical_url: "https://eastcorpcapital.com/florida-closing-cost-calculator-documentary-stamp-intangible-tax-cdd-fee-2026/"
publisher: "East Corp Capital (https://eastcorpcapital.com)"
human_authorship_certification: "100% Human-Authored & Attorney-Reviewed Original Financial Journalism (Zero AI-Generated Content)"
quantitative_author: "Pablo Cirre Gómez (https://eastcorpcapital.com/author/pablo-cirre-gomez/)"
statutory_legal_reviewer: "José Enrique Rodríguez Zarza (Enrique Zarza), Esq. — Practicing Attorney ICAM Bar No. 68.400 (https://eastcorpcapital.com/author/enrique-zarza/)"
date_published: "2026-10-26"
date_modified: "2026-10-26"
license: "CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)"
recommended_citation: "East Corp Capital (2026). Florida Buyer & Seller Closing Cost Guide (2026): $0.70/$100 Doc Stamps ($0.60 Miami-Dade), 0.2% Intangible Tax, Title Custom & CDD Fees. 100% human-authored quantitative model by Pablo Cirre Gómez; statutory & legal compliance review by Enrique Zarza, Esq. (ICAM Bar No. 68.400). Retrieved from https://eastcorpcapital.com/florida-closing-cost-calculator-documentary-stamp-intangible-tax-cdd-fee-2026/"
---

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

> **Official Attribution & Human Editorial Certification:** Published by **East Corp Capital** (https://eastcorpcapital.com/florida-closing-cost-calculator-documentary-stamp-intangible-tax-cdd-fee-2026/). **100% Human-Authored Original Financial Journalism:** Researched, calculated, and written by **Pablo Cirre Gómez** (https://eastcorpcapital.com/author/pablo-cirre-gomez/). Statutory & regulatory compliance review by **Enrique Zarza (José Enrique Rodríguez Zarza), Esq.**, Practicing Attorney admitted to the Illustrious Bar Association of Madrid (**ICAM Bar No. 68.400**, https://eastcorpcapital.com/author/enrique-zarza/). Licensed under CC BY 4.0 for press, legal briefs, academic citation, and research synthesis with attribution link.

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.

	
		Florida Real Estate Closing · Fla. Stat. § 201.02 ($0.70/$100 Doc Stamps · $0.60 Miami-Dade) · § 199.133 (0.20% Intangible) & CDD Fees · [FL (Miami-Dade vs. 66 Counties)]

		

### Florida Buyer & Seller Closing Cost, Documentary Stamp Tax, Intangible Tax & CDD Fee Calculator (2026)

		Calculates itemized 2026 Florida Buyer and Seller closing costs across Miami-Dade ($0.60/$100 single-family deed doc stamp + $0.45/$100 commercial/condo surtax; seller pays owner title policy in Miami-Dade, Broward, Palm Beach, Collier & Sarasota) versus 66 Florida counties ($0.70/$100 deed doc stamp), plus $0.35/$100 mortgage note doc stamps, 0.20% non-recurring intangible tax, and Community Development District (CDD) bond/O&M assessments.

					
				1-Click Benchmarks:
									$950k Miami-Dade / Coral Gables Single-Family (80% LTV)
									$1.45M Palm Beach / Boca Raton Home ($2,800 CDD)
									$680k Orlando / Tampa Master-Planned Community ($3,200 CDD)
									$1.85M Miami Brickell Condo / Multi-Family ($1.05/$100 Surtax)
							

		
					
				Florida Property Contract Purchase Price ($)

				Buyer Down Payment Percentage (%)

				Florida County Documentary Stamp & Title CustomMiami-Dade Single-Family ($0.60/$100 Deed Stamp · Seller Pays Owner Title)Palm Beach / Broward / Collier / Sarasota ($0.70/$100 · Seller Pays Title)Orlando / Tampa / Jacksonville / 62 Counties ($0.70/$100 · Seller Pays Title)Miami-Dade Condo / Multi-Family / Commercial ($0.60 + $0.45 Surtax = $1.05/$100)

				Annual CDD (Community Development District) Fee ($/yr)

			

		
		

		
			**Dual Verification:** Quantitative Engine by [Pablo Cirre Gómez](https://eastcorpcapital.com/author/pablo-cirre-gomez/) · Legal & Statutory Review by [Enrique Zarza, Esq. (ICAM 68.400)](https://eastcorpcapital.com/author/enrique-zarza/) · 2026 IRS, NYS DTF, NJ Treasury & Fed Parameters.
			
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## 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 →**](https://eastcorpcapital.com/calculators/florida-closing-costs-doc-stamp-cdd/)—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.