What Are Closing Costs? A Guide for Florida Homebuyers in 2025
What Are Closing Costs?
In Florida, closing costs typically range between 2%–5% of the home’s purchase price.
Common Closing Costs for Florida Buyers
1. Loan Origination Fees
Charged by the lender for processing your loan application.
2. Appraisal Fee
Pays for a licensed appraiser to determine the property’s market value.
3. Title Insurance & Title Search
Protects you and the lender from disputes over ownership.
4. Recording Fees
Covers the cost to record your ownership with the county.
5. Survey Fees (sometimes)
6. Prepaid Taxes & Insurance
Sets up your escrow account with initial payments for property taxes and homeowners insurance.
7. Attorney Fees (if applicable)
Optional, but sometimes recommended for complex transactions.
Typical Closing Cost Amounts
Home PriceEstimated Closing Costs (2–5%)$250,000$5,000 – $12,500$350,000$7,000 – $17,500$450,000$9,000 – $22,500
💡 Tip: You can sometimes negotiate for sellers to pay a portion of your closing costs!
Ways to Lower Closing Costs
📞 Talk to Tim Lyons to explore all your options before you make an offer!
Final Thoughts
📞 Contact Tim Lyons today for a full loan estimate and a breakdown of expected closing costs for your situation.
Required Disclosure
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
NMLS #2182927 | Equal Housing Lender
👤 Tim Lyons
Licensed Mortgage Broker – Florida & Ohio
Helping Florida buyers understand every step of the homeownership journey, including closing costs.
