Average closing costs in Florida
Contributed by Tom McLean
Jan 2, 2026
•4-minute read
Buying a home in Florida usually requires you to make a down payment and pay closing costs. Closing costs in Florida are typically higher than the national average, but will vary depending on your loan terms, the price of the home you're buying, and your exact location in Florida.
How much are closing costs in Florida?
Closing costs in Florida when buying a home averaged $19,842, according to data from Rocket Mortgage®1. That's more than 37% more than the national average of $14,422.
When refinancing, the average closing costs in Florida were $10,451, which is about 19% more than the national average of $8,762.
Closing costs usually are estimated to total between 3% and 6% of the loan amount. The median sale price for Florida homes in October 2025 was $408,700, according to Redfin. That's below the national median sale price of $439,701.
Using data from Rocket Mortgage and Redfin, the average closing cost percentage in Florida is 4.8% of the home’s sale price. That’s above the national average of 3.2%.
What’s included in closing costs in Florida?
Closing costs include a mix of mandatory and negotiable fees that cover the various steps involved in a home purchase. In Florida, this list comprises both general expenses, such as title and appraisal services, and state-specific charges, including the Documentary Stamp Tax, which applies to most counties except Miami-Dade.
Most transactions require payment of both buyer's fees and seller's fees. These fees can often be negotiated. For example, a buyer might request that the seller cover a higher share of the costs in exchange for a quicker closing date.
Here are some of the most common closing cost fees in Florida, along with who typically pays them. This list isn’t exhaustive but includes many of the standard fees you might encounter.
|
Closing cost |
Description |
Who generally pays? |
|
Appraisal costs |
An appraisal determines the value of a property. |
Buyer |
|
Attorney fees |
Attorney fees represent charges accrued for legal services during the closing process. These can vary significantly based on the nature of the transaction. |
Buyer or seller |
|
Courier fee |
Delivery and handling of loan and title documents |
Buyer |
|
Credit report fee |
Fee to obtain the borrower’s credit history and score |
Buyer |
|
Escrow fees |
Fee charged by the escrow or title company to manage funds and documents |
Shared by buyer and seller |
|
Homeowners association transfer fee |
The seller may need to pay an HOA fee to transition the account from the buyer to the seller. |
Buyer or seller, negotiable |
|
Lender’s title insurance |
A lender's title insurance policy protects the lender's financial interest in the property in the event that someone presents a legal claim to the property. |
Buyer |
|
Loan origination fee |
When you take out a mortgage, the lender may charge an origination fee. |
Buyer |
|
Owner’s title insurance |
An owner’s title insurance protects your financial interest in a property in case someone comes forward with a legal claim to the property. |
Buyer |
|
Mortgage insurance |
If you're buying a home with a government-backed loan, you may need to pay a form of mortgage insurance at closing. For FHA loans, it's called mortgage insurance premiums. Borrowers purchasing a home with a VA loan may be required to pay a funding fee, while USDA loan borrowers must pay a guarantee fee. |
Buyer |
|
Property tax |
Property taxes are levied by the local municipality. Depending on the timing of the sale, the seller may be required to pay a portion of the property tax bill for the year. |
Shared (Buyer and Seller) |
|
Rate lock fee |
A rate lock fee allows you to lock in your offered interest rate for a specified period of time. Many buyers lock their rate to protect themselves against potential rate increases. |
Buyer |
|
Recording fee |
Recording fees are paid to the local government to update public records. |
Buyer |
|
Survey fee |
When someone surveys the land or measures it to establish property lines, you'll need to pay a fee. |
Buyer or Seller (varies) |
|
Title search fee |
A title search examines the property's ownership history to confirm that you are purchasing it from a legitimate owner. |
Buyer |
|
Transfer tax |
State or local tax on transferring property ownership |
Seller |
Tips for lowering your closing costs in Florida
While Florida's closing costs can add up, you can reduce them with a few strategic moves. Here are some practical ways to keep your total out-of-pocket costs in check.
- Seller concessions: Request that the seller cover some of your closing costs as part of the purchase agreement. This can be a helpful negotiation tool in a balanced or buyer-friendly market. Learn more about seller concessions.
- Lender shopping: Lenders may charge different fees. Compare loan offers to choose the most cost-effective option.
- Negotiating a lower sale price: Closing costs are typically calculated as a percentage of the home's price. Lowering the sale price will also reduce the closing costs.
- Review your Loan Estimate: Your lender is required to provide an estimate of all expected fees and costs. Comparing that document to your final Closing Disclosure can help you spot and question unexpected changes.
- Close later in the month: If your closing date falls near the end of the month, you'll pay fewer prepaid interest days, which will slightly lower your total at signing.
Bottom line: Florida closing costs are higher than average
The average closing costs in Florida are higher than in many other states, despite home prices falling below the national median. Buyers typically pay 3% to 6% of the loan amount in closing costs, while sellers may pay up to 6% once real estate agent commissions are included.
Many of these costs are flexible. By comparing lenders, requesting seller concessions, and understanding which fees are negotiable, you can reduce your total expenses.
Are you ready to take the next step toward homeownership? Start an application today with Rocket Mortgage.
1Data pulled from Rocket Mortgage closing costs info from Aug. 15, 2024, to Aug. 15, 2025.
Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, Rocket Card, LLC, RockLoans Marketplace LLC (doing business as Rocket Loans), and Rocket Money, Inc., are separate operating subsidiaries of Rocket Limited Partnership. Redfin Corporation is an affiliated business of Rocket Limited Partnership. Each company is a separate legal entity operated and managed through its own management and governance structure. Rocket Limited Partnership is an indirect, wholly owned subsidiary of Rocket Companies, Inc. (NYSE: RKT).
Rocket Mortgage is an affiliated business of Redfin. All mortgage lending products and information are provided by Rocket Mortgage, LLC | NMLS #3030; www.NMLSConsumerAccess.org. Licensed in 50 states. For additional information on Rocket Mortgage or to receive lending services in the State of New York, please visit RocketMortgage.com.
Sam Hawrylack
Samantha is a full-time personal finance and real estate writer with 5 years of experience. She has a Bachelor of Science in Finance and an MBA from West Chester University of Pennsylvania. She writes for publications like Rocket Mortgage, Bigger Pockets, Quicken Loans, Angi, Well Kept Wallet, Crediful, Clever Girl Finance, AllCards, InvestingAnswers, and many more.
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