Who Pays Closing Costs in Florida?

In Florida, buyers and sellers split closing costs by custom and contract: sellers in Walton and Okaloosa County usually pay for the owner's title insurance policy, documentary stamps on the deed, and their share of prorated property taxes, while buyers pay lender fees, recording costs, and prepaid insurance and interest. Your purchase contract controls, and on 30A that split is negotiable. AquaRK Title Services prepares a line by line estimate for both sides before you sign so nothing at the closing table is a surprise.