Conventional Mortgage
Closing Costs

Seller's Expenses

  • Doc Stamps on Deed (70¢ per $100 of the sale price) ** [Closing Cost Calculator©]
  • Pay Off Existing Mortgage Loans
  • Title Services (including title search and closing/settlement services and title insurance. Could be Buyer or Seller’s expense, depending upon contract provisions)
  • Owner’s Title Insurance Premium [Closing Cost Calculator©]
  • Real Property Tax Proration
  • Recording Fees – Satisfaction of Mortgage, Curative Documents
  • Prorate Condo/HOA Charges
  • Real Estate Brokerage Commission
  • Condo / HOA Estoppel Fee
  • Lien Search Fee

Buyer's Expenses

  • Condo/HOA Approval Fee
  • Recording Fees (Deed, Condo/HOA Approval, Mortgage)
  • Prorate Condo/HOA Charges
  • Homeowners Insurance
  • Flood Insurance (if applicable)
  • Inspection Costs
  • Survey
  • Real Property Tax Proration
  • Permit Search Fee
  • Title Services (including loan closing services and Lender’s title insurance. Could be Buyer or Seller’s expense, depending upon contract provisions.)
  • Simultaneous Issue Mortgage Title Insurance
  • Title Endorsements (including Florida Form 9)
  • Loan Discounts or Points
  • Doc Stamps on Mortgage (35¢ per $100) [Closing Cost Calculator©]
  • Intangible Tax on Mortgage (.002 x mortgage amount) [Closing Cost Calculator©]
  • Escrow (taxes, insurance, condo/HOA fees, mortgage insurance)
  • Lender’s Attorneys’ Fees
  • Document Preparation
  • Appraisal Costs
  • Tax Service Fee
  • Termite Report
  • Credit Report
  • Environmental Report
  • Flood Certification Fee

* Examples only. Applicable contract will govern. In 22 Florida counties title premium is generally a buyer’s expense and in the remaining 44 counties, title insurance is generally a seller’s expense. For example, in Miami-Dade, Broward and Martin counties the title premium is generally a buyer’s expense, whereas in Palm Beach and a majority of other counties, it is generally a seller’s expense. For more information Contact Us.

** See Closing Cost Calculator© for documentary stamps on deed in Miami-Dade County.

NOTE: We are CPFB/TRID compliant and ready to close mortgage loans in accordance with the new regulations!