Closing costs in Florida are split between the buyer and seller. Most people don’t know who pays what until the last minute. That’s when deals get stressful and numbers change.
​
​Here’s the real breakdown.

Buyer closing costs

- Lender fees
- Appraisal
- Loan origination
- Escrow fees
- Prepaid taxes and insurance
​- Recording fees

Seller closing costs

- Outstanding liens
- Property taxes (prorated)
- Real estate commissions
- Owner’s title insurance
​- Title fees

​What’s standard in Florida?
​In Destin, Santa Rosa Beach, and along 30A, the seller usually pays for the buyer’s title insurance.

Everything is still negotiable.

Big mistake
Most people rely on rough estimates.
​Costs change late. Deals get messy.

What to do instead
Get exact numbers before going under contract.

​Use our closing cost calculator or contact AquaRK Title Services for a full breakdown.