Closing Cost Calculator for Alabama and Florida Buyers
Almost every closing cost calculator online is built for the seller. It estimates what the seller walks away with. This one is built for the buyer, and it answers the question a buyer actually has: how much cash do I bring on closing day?
Closing costs and cash to close are two different numbers. Closing costs are the fees and taxes. Cash to close adds your down payment and your prepaid escrow, then subtracts your earnest money and any credits. The calculator below shows both, with every line visible, for Alabama and Florida.
A calculator gives you a range. A Loan Estimate gives you the actual line items for your county and your closing date.
Illustrative estimate only. Not a rate quote, a commitment to lend, or an offer of credit. Fees shown are typical ranges and vary by lender, county, property, and transaction. Tax rates and local customs are current as of September 2026. Your actual costs will appear on your Loan Estimate and Closing Disclosure.
How to read your result
Closing costs are the fees and taxes for the loan and the title. On a $300,000 Alabama purchase with 5% down they run about $4,000 in this model. The same purchase in Duval County, Florida runs about $4,700. Florida loan taxes add about $1,140, and Florida buyers usually skip the $450 survey, which takes some of that back.
Prepaids are not fees. They are your own money, paid in advance into insurance and the escrow account. Florida insurance premiums are the reason Florida prepaids run higher.
Cash to close is the number your bank balance has to cover. It is the one to plan around.
Why Alabama and Florida come out so different
Alabama charges one tax on a financed purchase, the mortgage recordation tax, at $0.15 per $100 of the loan. On a $300,000 loan that is $450.
Florida charges two. Documentary stamps on the note run $0.35 per $100, and the nonrecurring intangible tax runs 0.2% of the loan. On the same $300,000 loan that is $1,650.
Who pays the owner's title policy also changes by county in Florida. In Miami-Dade, Broward, Sarasota, and Collier the buyer customarily pays it. In most other Florida counties and across Alabama the seller does. The calculator shows that line either way so you can see it.
If your cash to close is tighter than you want, cost stacking to get to the closing table with less cash shows how seller concessions, lender credits, and assistance programs fit together. Lender credits in Alabama and Florida covers the rate tradeoff. For the fee lines that move the most, read what a closing costs calculator will not tell you. To see the monthly side, use our monthly payment estimator by loan amount.
Closing cost calculator FAQ
How much are closing costs for a buyer in Alabama?
On a typical $300,000 purchase with a financed loan, buyer closing costs in Alabama run roughly $4,000 before prepaids. The only state tax on the loan is the mortgage recordation tax of $0.15 per $100 borrowed.
How much are closing costs for a buyer in Florida?
On the same $300,000 purchase, Florida buyer closing costs run roughly $4,700 before prepaids in most counties. Florida adds documentary stamps on the note and the intangible tax, which together cost 0.55% of the loan.
What is the difference between closing costs and cash to close?
Closing costs are the fees and taxes. Cash to close adds your down payment and prepaid escrow, then subtracts earnest money, seller concessions, and lender credits. Cash to close is the amount you actually wire.
Can seller concessions cover all of my closing costs?
They can cover closing costs and prepaids up to your loan program's cap. Conventional loans cap concessions at 3% of the price with less than 10% down. FHA caps them at 6%. Any amount above your actual costs cannot be used.
Do cash buyers pay Florida doc stamps and intangible tax?
Not on a note or mortgage, because there is none. A cash buyer in Florida skips both loan taxes. The deed transfer tax still applies, and the seller customarily pays it.
Is this calculator a Loan Estimate?
No. It is an illustrative range. A Loan Estimate is a federal disclosure with your actual fees, and a lender must send it within three business days of your application.
Ready for the real numbers? Request your Loan Estimate from Mountain Mortgage and see every line for your county and your closing date.