The Florida Buyer Sheet — Prepared by Mariah Lee, NMLS #244944

Purchase Details

Tell me about the home and what's coming with it.

Home Purchase Price — what you're paying

Improvements / Renovations — optional

Debts to Pay Off at Closing — optional

Your Loan

Loan type sets the funding fee, mortgage insurance, and how much down you'll need.

Loan Type

Conventional FHA VA Jumbo

Down Payment — % of purchase

Interest Rate — estimated

Loan Term — years

VA First-Time Use? — affects funding fee

Property Costs (Florida-tuned)

Florida insurance is the wild card. Numbers below are typical — adjust if you have quotes.

Property Tax Rate — annual % of price

Homeowners / Wind Insurance — annual $

Flood Insurance — annual $ (often req'd in FL)

HOA / CDD Fees — monthly $

Estimates update live as you type · Not a Loan Estimate · Final numbers come on the LE

Total Cash to Close

$—

Loan Amount

$—

Lender Fees$—

Origination Fee (1%)$—

Underwriting Fee$—

Processing Fee$—

Appraisal$—

Credit Report$—

Other Lender Fees$—

Title & Escrow$—

Title Search / Exam$—

Settlement / Closing Fee$—

Owner's Title Insurance (FL promulgated)$—

Lender's Title Insurance$—

Survey$—

Florida State & Recording$—

Doc Stamps on Deed ($0.70/$100)$—

Doc Stamps on Mortgage ($0.35/$100)$—

Florida Intangible Tax (0.2%)$—

Recording Fees$—

Prepaids & Escrows$—

Prepaid Interest (15 days)$—

Property Tax Escrow (3 months)$—

Hazard Insurance (1 year + 2 mo)$—

Flood Insurance (1 year + 2 mo)$—

Financed in the Loan$—

VA Funding Fee (financed)$—

Total Closing Costs (Borrower)$—

Down Payment$—

Less: Improvements / Debts (rolled into purchase)$—

Cash Required at Closing$—

Estimated Monthly Payment (PITI + MI + HOA)

$—

P&I — · Tax — · Ins — · MI — · HOA —

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Florida Buyer Quick Facts

What makes Florida different

$0.70

Doc Stamps on Deed

Per $100 of purchase price (statewide except Miami-Dade at $0.60). Paid by buyer or seller depending on contract — assumed buyer here.

0.2%

Intangible Tax on Mortgage

$2 per $1,000 of loan amount. Florida-only. Doesn't apply to refinances of the same lien.

$50K

Homestead Exemption

If you make this your primary residence by Jan 1. Save Our Homes caps annual assessment increase at 3% once homesteaded.

3-5x

Higher Insurance Than Most States

Florida home insurance averages $3,000–$5,000+ for hurricane-zone properties. Wind/flood often separate. Get a quote BEFORE you go under contract.

$5.75

Title Insurance per $1K

Promulgated rate up to $100K of purchase. Drops to $5.00 per $1K above $100K. Same rate everywhere in FL.

My Specialty

100% financing, no PMI, no down payment, sellers can pay closing costs. If you served — or your spouse did — let's talk.