Every Atlantic Title Firm calculator in one place — closing costs, title insurance, net sheets, taxes, deadlines and more. Free, instant, and built for Florida buyers, sellers, realtors, and lenders.
Full buyer & seller breakdown — title, taxes, recording, and settlement fees on a Florida closing.
Open calculator →Owner's and lender's premiums at Florida's promulgated title insurance rates.
Open calculator →What the seller walks away with after commission, mortgage payoff, and closing costs.
Open calculator →Everything a buyer needs at the table — down payment, prepaids, and closing costs.
Open calculator →Show clients whether buying or renting wins over time — with the break-even year.
Open calculator →Monthly principal & interest so buyers see the full monthly picture.
Open calculator →Every FAR/BAR “AS-IS” deadline — inspection, financing, title, walk-through, and closing.
Open calculator →Florida documentary-stamp tax on the deed, by sale price.
Open calculator →Doc stamps on the note, intangible tax, and recording — calculated on the loan amount.
Open calculator →County recording fees for deeds and mortgages, on Florida’s per-page schedule.
Open calculator →Splits the year’s property taxes between buyer and seller as of the closing date.
Open calculator →Estimate annual property taxes by county and sale price, with homestead.
Open calculator →Discounted title premiums when a prior policy or refinance qualifies.
Open calculator →Estimates federal withholding when the seller is a foreign person.
Open calculator →Premiums for commercial and high-liability Florida transactions.
Open calculator →Atlantic Title Firm built this suite of Florida title and closing calculators so buyers, sellers, real estate agents, and lenders can get fast, reliable numbers before closing day. Estimate your closing costs, an owner's title insurance premium, a seller's net proceeds, a buyer's cash to close, your monthly mortgage payment, and every FAR/BAR contract deadline — plus transfer tax, intangible tax, recording fees, tax proration, reissue rates, FIRPTA, and commercial premiums.
Each tool uses Florida's promulgated title rates and standard county fees to give you an accurate planning estimate. When you're ready, order title with Atlantic Title Firm and our team handles your closing across all 67 Florida counties.
Yes. Every calculator on this page is free to use, with no signup — built by Atlantic Title Firm for Florida buyers, sellers, realtors, and lenders.
They use Florida's promulgated title premium schedule, documentary-stamp and intangible tax rates, and standard county fees. They're accurate planning estimates; your final figures appear on the settlement statement.
Absolutely. The closing cost, seller net sheet, cash-to-close, rent vs. buy, and contract deadline tools are built for agents and transaction coordinators to use on every Florida transaction.
Florida closing costs typically run about 1%-3% of the purchase price for buyers (excluding down payment) and 6%-9% for sellers once commission is included. The biggest Florida-specific items are documentary stamp tax, owner's title insurance at promulgated rates, intangible tax on the mortgage, and recording fees. Use the closing cost calculator above for your exact numbers.
It's a county-by-county custom, not a state law. In most Florida counties the seller customarily pays for the owner's policy; in Miami-Dade, Broward, and much of Southwest Florida the buyer customarily pays. Whoever pays generally chooses the closing agent, and it's always negotiable in the contract.
For the title insurance premium itself, essentially yes -- Florida sets a promulgated rate schedule, so the base premium is the same at every title company. Service, speed, communication, and funds security are what actually differ.
Yes. Florida property taxes are paid in arrears, so they're prorated between buyer and seller based on the closing date. The seller credits the buyer for their share of the year, and the buyer pays the full bill when it arrives in November.
Florida closings have a handful of costs that surprise people — especially buyers relocating from out of state. Most of them are set by Florida statute or by the state's promulgated rate schedule, which means they're predictable once you know the formulas. That's exactly what the calculators above do.
Here's how the major Florida-specific line items break down:
| Cost | How it's calculated | Typically paid by |
|---|---|---|
| Deed doc stamps | $0.70 per $100 of price (Miami-Dade differs) | Seller (customary) |
| Note doc stamps | $0.35 per $100 of the loan | Buyer (if financed) |
| Intangible tax | $0.002 per $1 of the mortgage (2 mills) | Buyer (if financed) |
| Owner's title insurance | Promulgated: $5.75/$1,000 to $100K, then $5.00/$1,000 | Varies by county custom |
| Recording fees | Statutory: $10 first page, $8.50 each additional | Buyer / per contract |
| Property tax proration | Split by closing date (Florida taxes are paid in arrears) | Seller credits buyer |
It depends on which side of the table you're on:
Florida uses a promulgated rate for title insurance, meaning the state sets the base premium schedule. Every title company charges the same base rate for the same coverage amount — so shopping title companies on premium alone won't save you money. What does differ is service: how fast your file moves, how carefully the search is examined, how clearly issues get resolved, and how well your closing agent protects your funds from wire fraud.
Where you can save is through credits like the Butler Rebate and reissue rates on refinances or recent resales — both built into the calculators above.
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