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    Florida Cash-to-Close Estimator

    Buying in Florida means more than a down payment. You also need cash for Florida doc stamps, intangible tax, title and settlement, prepaid insurance, and tax escrow. This free estimator gives you a plain-English ballpark of what you may need at the closing table.

    Your Deal

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    For reference only. This estimator does not apply program-specific upfront fees like FHA UFMIP or the VA funding fee.

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    Lender & Closing Costs

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    Estimated Cash to Close

    $30,039

    Conventional · 5.0% down · loan $332,500

    Down Payment$17,500
    Florida Doc Stamps (loan × 0.35%)$1,164
    Intangible Tax (loan × 0.20%)$665
    Points on the loan (0.75% of loan)$2,494
    Title / Settlement (1% of price)$3,500
    Appraisal / Misc$750
    Prepaid Insurance (14 mo)$2,800
    Tax Escrow (4 mo)$1,167
    Total Cash to Close$30,039

    Down Payment

    $17,500

    Loan Amount

    $332,500

    Down %

    5.0%

    What this does NOT include

    • Repairs, inspections, or post-close fix-ups
    • Furniture, appliances, or movers
    • Utility deposits and connection fees
    • PMI or MIP reserves the lender may require
    • Last-minute underwriting conditions or add-ons

    Related tools & guides

    If you want the monthly payment side first, use the mortgage calculator.

    Not sure how much house fits your budget? Read how much home you can actually afford in Florida.

    All figures are estimates for illustrative purposes only and do not constitute a Loan Estimate, Closing Disclosure, rate quote, or commitment to lend. Actual cash to close, fees, taxes, insurance, and escrow amounts vary based on your loan program, credit qualification, property location, county customs, and final underwriting. Contact On Target Mortgage for a personalized estimate. NMLS #2629561.

    NMLS #2629561
    Equal Housing Lender

    Your Closing Cash Checklist

    Print this page and work through each section as you prepare to close.

    Documents to have ready

    • Photo ID and Social Security card
    • 30 days of pay stubs
    • 2 years of W-2s or tax returns
    • 2 months of bank statements
    • Proof of funds for down payment
    • HOA docs if applicable

    Cash categories to plan for

    • Down payment
    • Florida doc stamps & intangible tax
    • Title and settlement fees
    • Prepaid insurance and tax escrow
    • Points on the loan and appraisal
    • Moving and post-close reserves

    Before you wire

    • Verify wire instructions by phone
    • Confirm exact cash-to-close figure
    • Check wire transfer cutoff times
    • Keep funds in account 1-2 days prior
    • Save wire confirmation receipt
    • Bring ID to the closing table