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Florida Closing Cost Calculator
Florida deed stamp tax is $0.70 per $100 of price; Miami-Dade charges $0.60 plus a $0.45 surtax unless the deed conveys only a single-family dwelling. Choose the county and deed classification, calculate documentary stamps, then add your quoted settlement fees and agreed buyer–seller allocation.
Florida deed tax and settlement worksheet
Ordinary taxable deed: $0.70 per $100 or fraction outside Miami-Dade; $0.60 in Miami-Dade, plus $0.45 surtax unless the document transfers only a single-family dwelling. Enter the contract allocation. Mortgage documentary stamp tax and nonrecurring intangible tax are separate charges, excluded from this deed estimate.
Count $100 units before applying the deed rate
Florida documentary stamp tax uses the taxable consideration, rounded upward to a whole $100 unit. Outside Miami-Dade County, each unit costs $0.70. Thus $400,000 produces $2,800.00, while $400,000.01 produces $2,800.70. Multiplying every price by a flat percentage misses this boundary.
The 2026 text of section 201.02 defines consideration beyond cash, including certain discharged obligations and encumbrances. Use the taxable-value override when a recording professional confirms an amount different from the sale price. Do not automatically add the purchase mortgage to the purchase price: the consideration paid and financed must not be counted twice.
Miami-Dade needs a property classification
The Miami-Dade Clerk's schedule uses $0.60 per $100 and a further $0.45 surtax when applicable. A deed transferring only a single-family dwelling is excluded from that surtax. The worksheet asks for this classification instead of inferring it from the price or assuming all residential property qualifies.
At the same hypothetical $400,000 value, the deed tax is $2,400 without surtax and $4,200 when the surtax applies. The local component is shown separately so you can compare it with the recording quote.
Keep deed and mortgage taxes separate
The Department of Revenue distinguishes tax on deeds from tax on notes and recorded mortgages. This worksheet's automatic model covers the deed. Ask your lender or settlement agent for the mortgage tax and intangible tax, then enter the applicable amount in other quoted costs. Check that your supplied quote does not already include the deed tax.
Use your contract's allocation for budgeting. An agreement about who pays does not remove the other parties' statutory liability. Transfers with an exemption, nominal consideration, a trust or a special transaction need separate confirmation before using the ordinary-sale model.
Florida deed-tax worked examples
| Scenario | Taxable value | State tax | Local amount | Tax subtotal |
|---|---|---|---|---|
| Outside Miami-Dade: whole $100 block | $400,000.00 | $2,800.00 | $0.00 | $2,800.00 |
| Outside Miami-Dade: partial $100 block | $400,000.01 | $2,800.70 | $0.00 | $2,800.70 |
| Miami-Dade: single-family dwelling only | $400,000.00 | $2,400.00 | $0.00 | $2,400.00 |
| Miami-Dade: property subject to surtax | $400,000.00 | $2,400.00 | $1,800.00 | $4,200.00 |
Last reviewed 2026-10-05. How the settlement worksheet works.
Questions about Florida
- Who pays documentary stamp tax on a Florida deed?
- The Department of Revenue says all parties to the document are liable regardless of their agreement. Enter the agreed seller percentage to budget each side. The calculator leaves that allocation blank until you supply it or enter a transfer-tax quote.
- Does the Florida deed estimate include mortgage taxes?
- No. The automatic amount covers the deed stamp tax and applicable Miami-Dade surtax. Obtain separate mortgage documentary stamp and nonrecurring intangible tax figures, and enter the amount assigned to your side as an additional closing charge.