Closing Cost Calculator
Estimate buyer and seller closing costs for Jupiter, Palm Beach Gardens, and northern Palm Beach County real estate transactions. Understand Florida doc stamps, title insurance, intangible taxes, and typical closing fees.
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Estimated Buyer Costs
Palm Beach County: ~$10.60 first page + $8.50 per additional page
Florida: $0.35 per $100 of loan amount
Florida: 2 mills per dollar (0.2% of loan amount)
Typical range: $400–$600 depending on property
Estimate: $400–$600 range
If applicable: $25–$50 estimate
Estimated Seller Costs
Florida: $0.70 per $100 of sale price
Typical: $70–$80
Estimate: ~$5.75 per $1,000 of sale price (varies by title company)
Typical: ~$600 (varies by title company)
Important Disclosure
These are estimates only based on typical Florida closing costs for Palm Beach County transactions. Actual costs vary by property, title company, lender, and transaction specifics.
Documentary stamp taxes and intangible taxes are Florida state taxes collected at closing. Rates shown are current Florida law but subject to change.
Commission rates (if shown) are adjustable examples only, not Tracey Joiner's quoted rates. Commissions are negotiable and set by written agreement between seller and broker.
Title insurance premiums vary by title company and underwriter. The estimate shown (~$5.75 per $1,000 for owner's policy) is a guideline; request a quote from your title company.
Who pays what: In Palm Beach County, custom is typically seller pays owner's title policy and doc stamps on deed; buyer pays lender's policy, doc stamps on note, intangible tax, and recording. However, this is negotiable.
For an accurate estimate tied to your specific property and transaction, contact Tracey for a detailed net sheet and review your final settlement statement from the title company. This calculator does not constitute legal, tax, or financial advice.
Understanding Closing Costs in Florida
Every real estate transaction in Florida involves closing costs — fees and taxes paid at settlement when the property officially changes hands. Some costs are paid by the buyer, some by the seller, and who pays what is often set by local custom, though it's negotiable.
The calculator above provides working estimates for typical Palm Beach County transactions based on loan amount and sale price. For a detailed breakdown tied to your specific property and financing, contact Tracey for a buyer estimate or seller net sheet.
Who Pays What in Palm Beach County
Typical Buyer Responsibilities
Recording fees: County fees for recording the deed and mortgage. Palm Beach County charges approximately $10.60 for the first page and $8.50 for each additional page.
Doc stamps on mortgage/note: Florida state tax of $0.35 per $100 of the loan amount, collected at closing.
Intangible tax on mortgage: Florida state tax of 2 mills per dollar (0.2%) of the mortgage amount. If you're borrowing $675,000, that's $1,350 in intangible tax.
Survey: Most lenders require an updated survey showing property boundaries, easements, and improvements. Typical cost: $400–$600 depending on property size and complexity.
Lender's title insurance: Protects the lender's interest in the property. Required by the lender; buyer pays. Typical range: $400–$600.
Additional buyer costs: Property taxes prorated from closing date, first year homeowner's insurance plus escrow setup, HOA transfer fees (if applicable), lender origination and processing fees, appraisal, home inspection, and any endorsements or express mail charges.
Typical Seller Responsibilities
Doc stamps on deed: Florida state transfer tax of $0.70 per $100 of the sale price. For a $750,000 sale, that's $5,250. This is the seller's largest non-negotiable cost (aside from commission).
Owner's title insurance: Palm Beach County custom is seller-paid owner's policy, which protects the buyer against title defects. Cost is based on sale price; guideline is roughly $5.75 per $1,000, but this varies by title company and underwriter. A $750,000 sale might run ~$4,300 in owner's title insurance.
Title search, exam, and closing fee: The title company's fee for researching the property's title history, preparing documents, and conducting the closing. Typical: ~$600, though this varies.
Assessment search: A search for any unpaid liens, special assessments, or code violations. Typical: $70–$80.
Additional seller costs: Real estate commissions (negotiated separately between seller and broker), HOA or condo estoppel letter (~$200–$500+), property tax prorations, repairs negotiated during inspection, any outstanding liens or mortgage payoff, and transfer fees in certain club communities.
What's Negotiable
While Palm Beach County has established customs (seller pays owner's title policy and doc stamps on deed; buyer pays lender's policy, doc stamps on note, and intangible tax), everything is negotiable in the purchase contract.
In a strong seller's market, sellers may negotiate for the buyer to cover more costs. In a buyer's market or when a seller wants to close quickly, the seller may offer to pay some buyer closing costs or provide a credit.
Tracey advises on market conditions, local norms, and negotiation strategy based on your situation — whether you're buying or selling in Jupiter, Palm Beach Gardens, or the surrounding area.
What You'll Need at Closing
For buyers: Government-issued photo ID, cashier's check or wire transfer for closing costs and down payment (final amount confirmed by title company 24–48 hours before closing), proof of homeowner's insurance, and any additional documents requested by your lender or title company.
For sellers: Government-issued photo ID, keys and remotes for the property, garage door openers, HOA documents or community information for the buyer, any warranties or manuals for appliances and systems staying with the home, and forwarding address for final proceeds check or wire instructions.
Your title company or Tracey will provide a detailed closing checklist before settlement.
Local Considerations for Northern Palm Beach County
Waterfront properties (Jupiter, Tequesta, Intracoastal): If the property has a dock or seawall, the buyer's lender or insurance may require a marine survey, paid by the buyer. Flood insurance is typically required; the buyer pays the first year's premium at closing. Sellers may face seawall or dock repair negotiations during inspection.
Condo buildings (Juno Beach, Singer Island, oceanfront/Intracoastal): The buyer orders a condo-document review and the seller pays for the estoppel letter. Buyers also review association financials, reserves, and any pending special assessments. High-rise buildings may have additional transfer or move-in/move-out fees.
Country-club homes (Palm Beach Gardens, North Palm Beach, Jupiter clubs): Membership transfer, initiation fees, or capital contributions are typically the buyer's responsibility, but how they're structured affects negotiation. Some clubs require membership; others offer optional membership. Tracey walks through club-specific rules and costs for both buyers and sellers.
New construction vs resale: New construction in communities like Abacoa or Palm Beach Gardens often includes builder closing-cost credits or incentives for buyers. Resale transactions follow the standard customs outlined above.
Questions About Closing Costs?
The calculator provides a starting point. For a detailed buyer estimate or seller net sheet tailored to your specific property and transaction, let's talk.
Call (954) 593-2766 or email tjoiner@kw.com
Tracey Joiner, REALTOR®
Florida License #SL3302589 | KW Reserve
This calculator provides estimates for educational purposes only. Actual closing costs vary by transaction, property type, title company, lender, and negotiated terms. Documentary stamp taxes and intangible taxes are Florida state taxes collected at closing; rates shown are current Florida law but subject to change. Commission rates (if shown) are adjustable examples only, not Tracey Joiner's quoted rates. Commissions are negotiable between parties. Title insurance premiums vary by title company and underwriter. Who pays what is negotiable in the purchase contract. Consult with Tracey Joiner for a detailed estimate and review your final settlement statement from the title company. Not legal, tax, or financial advice.