Buying or selling a home in Florida? Don’t let closing costs surprise you. Whether you're in Orlando, Kissimmee, DeLand, or Deltona, it’s important to know what to expect when the deal reaches the finish line. This guide breaks down everything you need to know about real estate closing costs in Florida — from both the buyer and seller side.
What Are Closing Costs?
The Basics
Closing costs are the fees and charges paid when a real estate transaction is finalized. These costs typically include services like title insurance, taxes, recording fees, and lender charges.
- Buyers generally pay for loan-related and title services.
- Sellers usually cover commissions and some local taxes.
These costs can vary based on whether the purchase is cash or financed.
Average Closing Costs in Florida (2025 Estimates)
Buyer Closing Costs
Typical range: 2% to 5% of the purchase price.
Common fees include:
- Loan origination fees
- Appraisal and inspection fees
- Title search and title insurance
- Escrow fees
- Prepaid taxes and homeowners insurance
Seller Closing Costs
Typical range: 6% to 10% (mainly because of agent commissions).
Common seller fees:
- Real estate agent commission (usually 5%–6%)
- Title and settlement fees
- Documentary stamp tax (Florida-specific)
- Property taxes (prorated)
Financed vs. Cash Closings
Financed Purchases
Buyers using a mortgage will usually pay more in closing costs due to lender-related charges. Expect more paperwork and time to close.
Cash Purchases
Cash buyers avoid lender fees but still need to cover title insurance, attorney or title agent fees, and taxes. Closing costs are lower overall.
Who Pays What in a Florida Real Estate Transaction?
Cost Item | Buyer Pays | Seller Pays |
Title Insurance | ✅ | ✅ (Negotiable) |
Real Estate Commission | ❌ | ✅ |
Loan Fees | ✅ | ❌ |
Recording & Transfer Fees | ✅ | ✅ |
Attorney Fees (optional) | ✅ | ✅ |
Note: Everything is negotiable in real estate. A good agent helps you balance who pays what.
How to Reduce Closing Costs
Shop for Lenders and Title Services
Compare offers — not all lenders and title companies charge the same fees.
Ask for Seller Concessions
Buyers can sometimes negotiate for the seller to cover part of the costs.
Use First-Time Buyer Programs
Florida Housing and FHA/USDA programs can offer lower closing expenses.
FAQs About Florida Real Estate Closing Costs
How much are closing costs in Florida for buyers?
Expect to pay between 2%–5% of the home’s price depending on loan type, location, and service providers.
How much are seller closing costs in Florida?
Usually between 6%–10% of the sale price, with the largest portion being the realtor commission.
Are closing costs negotiable?
Yes. Buyers and sellers can agree to split or shift costs depending on the deal terms.
Who pays title insurance in Florida?
It depends on the county. In some areas, the buyer pays; in others, it's the seller's responsibility.
FAQs About MainStreet Realty
What is MainStreet Realty?
We’re your go-to source for real estate in Central Florida, helping buyers and sellers navigate property deals with ease.
Do you help with closing cost planning?
Yes. Our agents will walk you through estimated fees so you can budget properly — no surprises.
Can you help me buy or sell in Orlando or Kissimmee?
Absolutely. We work across Orlando, Kissimmee, Lake Nona, DeLand, Deltona, and more.
Do I need a real estate attorney?
Not required in Florida, but we can refer you to trusted legal professionals if your transaction needs it.
Final Thoughts
Closing costs are a big part of any real estate deal, but they don’t have to be confusing. With the right guidance and prep, you can buy or sell in Florida with confidence.
Need help estimating your closing costs or starting your real estate journey?
Visit MainStreetRealtyGroup.com and connect with a local expert today!
Email: [email protected]
Address: 2 Volusia Drive Debary, FL, 32713
Phone Number: Orlando: 407-789-0925 | Volusia: 386-259-2426 | Lake:352-729-1425
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