All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Florida.
How much house can I afford in Florida? →Florida Housing Finance Corporation program offering down payment and closing cost assistance up to $35,000 as a 0%-interest deferred second mortgage (repaid at sale, refinance, or when the home is no longer a primary residence) for frontline/essential workers — teachers, nurses, first responders, military/veterans, and roughly 50 other qualifying occupations — buying a primary residence.
Statewide Florida Housing Finance Corporation down payment assistance program: a deferred, 0%-interest second mortgage up to $10,000 with no monthly payment, repaid at sale, refinance, or payoff of the first mortgage.
Florida Housing Finance Corporation second-mortgage down payment assistance of $12,500, at a 3% fully-amortizing fixed rate over a 30-year term with a small monthly payment; cannot be combined with Hometown Heroes.
Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Florida taxes the deed and the loan separately. Here's what closing on a $425,000 Florida home really costs, and why the mortgage stamps add $1,870.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Florida guide
Almost every state taxes real estate once at closing. Florida taxes it twice.
Buy a house here with a mortgage and the deed gets stamped, then the loan gets stamped. The deed carries a documentary stamp tax of 0.7% of the sale price. The loan carries a separate 0.35% stamp on the promissory note, plus a third charge on top: the nonrecurring intangible tax, 0.2% of the amount financed. Only one other state, Georgia, taxes both sides of the deal this way.
On Florida's $425,000 statewide median single-family sale price with 20% down, that's $2,975 stamped on the deed and $1,870 stamped on the $340,000 loan. Combined, $4,845 goes to the Florida Department of Revenue before anyone pays for an appraisal, a survey, or a title search — roughly a third of the $14,875 midpoint of the entire closing-cost range.
None of it is negotiable, and most of it never surfaces when you look up "Florida transfer tax," because the loan-side taxes aren't a transfer tax at all. For how the ordinary fees work, start with our line-by-line breakdown of every closing cost.
A note before you start: this is general education, not financial, legal, or tax advice. Every figure below is a statewide number from CalculatorByState's sourced dataset, and your county, lender, title company, and contract will all move the total. Florida customs change from one county line to the next. Your Loan Estimate and Closing Disclosure are authoritative; use this to sanity-check them, not to replace them.
A 2-5% range against Florida's $425,000 median sale price gives you roughly $8,500 to $21,250, with a midpoint around $14,875. On a more modest $350,000 purchase the same range works out to about $7,000 to $17,500.
That spread is wide, but in Florida it's driven by things you can identify before making an offer: how big your loan is (two of the three stamp taxes scale with it), which county you're buying in, and whether a closing attorney is involved.
Read the full Florida guide →9 min read · Updated 2026-08-24