Updated January 2026
Who Pays Closing Costs in Florida?
Quick Answer
In Florida, sellers pay 6-10% (commissions, title insurance, doc stamps) and buyers pay 2-5% (lender fees, appraisal, recording). When you sell to us, we pay all closing costs—you net the full offer amount.
Traditional Florida Closing Cost Breakdown
Seller Pays
- Realtor commissions5-6%
- Documentary stamps (deed)0.70%
- Owner's title insurance0.5-1%
- Title search & settlement$500-1,500
- HOA estoppel letter$150-500
- Total6-10%
Buyer Pays
- Lender origination fees0.5-1%
- Appraisal$400-700
- Home inspection$300-500
- Recording fees$100-200
- Lender's title insuranceVaries
- Total2-5%
When You Sell to Us
Cash sales to FL Home Buyers are different:
- We pay all seller closing costs — title, doc stamps, settlement fees
- No commissions — we're the buyer, not an agent
- Our offer = your net — no surprise deductions at closing
Ready to sell without closing cost headaches? Call (561) 258-9405 or get your cash offer.