Tools · Florida
Florida title & closing-cost calculator.
Estimate owner’s and lender’s title insurance premiums, documentary stamp taxes, intangible tax, recording fees, and typical firm fees for Florida real estate transactions.
The reissue rate is a reduced rate available when a prior owner’s title policy already covered the current owner (keep a copy of that prior policy). Purchase: the new policy must be issued within 3 years of the prior policy (or for unimproved land that had prior coverage). Refinance: on a refinance of property still covered by the current owner’s policy, there is no 3-year limit and no purchase price is required.
The substitution rate is a reduced rate for the new lender’s title policy when you refinance (there is no sale, so no new owner’s policy and no deed doc-stamp tax). It applies automatically when the same borrower refinances with the same lender, with no minimum loan amount. With a different lender, the new loan must be $250,000 or more to qualify; below $250,000 the lender’s policy is charged at the standard (non-discounted) rate instead.
Firm fees & recording
Estimated closing costs
Good-faith estimate only; not a quote, commitment, or settlement statement. Promulgated rates & statutory taxes current as of May 2026; verify before closing. Contact Union Title Services for a binding figure.
How it works
How Florida title rates work
Florida title insurance premiums are promulgated by state regulation (Fla. Admin. Code 69O-186.003) on a tiered schedule per $1,000 of liability, the same statewide regardless of agency. A simultaneous issue lender’s policy is issued at a reduced flat charge when both an owner’s and a mortgagee policy are issued in the same transaction. Reissue rates apply when a prior owner’s policy insured the current seller or mortgagor: on a purchase within three years of the prior policy, or on a refinance under the current owner’s policy (no three-year limit for a refi). Substitution-loan rates apply to a refinance (no conveyance) based on the age of the original loan; when the new loan is $250,000 or more from a different lender, the borrower also qualifies.
Customs vary by county. In Miami-Dade the buyer customarily pays the owner’s title policy and the seller pays the title search. In most other Florida counties the seller customarily pays the owner’s policy. Items marked ✱ reflect the local custom; the contract always controls. This tool is a good-faith estimate only; not a commitment, quote, or settlement statement.
Questions
Frequently Asked Questions
How are Florida title insurance rates calculated?
Florida title insurance premiums are promulgated by state regulation (Fla. Admin. Code 69O-186.003) on a tiered schedule per $1,000 of liability with a minimum premium. The schedule is the same statewide regardless of the agency.
What is simultaneous issue?
When a lender’s (mortgagee) policy is issued at the same time as an owner’s policy on the same transaction, the lender’s policy is issued at a reduced simultaneous-issue charge for coverage up to the owner’s policy amount.
What is the difference between reissue and substitution rates?
A reissue rate is a reduced premium available when a prior owner’s policy insured the current seller or mortgagor (for a purchase within three years, or a refinance under the current owner’s policy). A substitution-loan rate is a reduced premium on a refinance, based on the age of the original loan, when the borrower (and, for any lender, a loan of $250,000 or more) qualifies.
Who pays for title insurance in Florida?
It is customary and negotiable and varies by county. In Miami-Dade the buyer customarily pays the owner’s policy and the seller the title search; in most other Florida counties the seller customarily pays the owner’s policy. The contract controls.
Is this calculator an exact quote?
No. It is a good-faith estimate based on promulgated rates and statutory taxes and fees. Actual figures depend on the title commitment, endorsements, final closing numbers, and the executed contract. Contact Union Title Services for a binding figure.