Florida Porch

Closing-cost taxes

Florida closing costs have a few taxes hiding in plain sight.

Put in the purchase price, loan, credits, and rough extra costs. This gives you a planning number before the closing disclosure gets serious.

Quick estimate

Start with the price and loan.

Florida documentary stamp tax uses $100 chunks. The mortgage tax pieces are based on the amount financed, while the deed stamp is based on the transfer consideration.

Rough cash to close

$100,480

Includes down payment, buyer-side mortgage taxes, your entered costs, and credits. Deed documentary stamp is shown below.

Loan amount

$360,000

Mortgage doc stamp

$1,260.00

Intangible tax

$720.00

Deed doc stamp

$3,150.00

Deed documentary stamp tax is 70 cents per $100, or part of $100, of consideration.

Deed stamp

This follows the transfer.

The deed documentary stamp is tied to the consideration for the transfer. Miami-Dade has its own rate and possible surtax rule.

Mortgage stamp

This follows the note or mortgage.

Florida Revenue lists mortgage documentary stamp tax at 35 cents per $100, or part of $100, on the financed amount.

Intangible tax

This is another mortgage piece.

The nonrecurring intangible tax is calculated at 0.002 of the obligation secured by Florida real property, subject to the state rule details.

Related checks

Closing cash is not the only first-year cost.

Official checks

Sources used for this page

Last checked June 29, 2026. Use your contract, lender, title company, and closing disclosure before treating any estimate as final.

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