Homebuyers Mortgage Connection — Powered by Loanly Home Loans

Cash to Close
Calculator

Accurate Florida closing costs including documentary stamp taxes, intangible tax, title insurance, and prepaids — for all loan types, income verification methods, and credit score tiers.

4
Loan Types
3
Income Types
67
FL Counties
$
0%3.5%50%
%
Down: $0 (3.5%)Loan: $0
720
Excellent
%

Enter your interest rate to calculate monthly payment and prepaids.

%
Chenoa Fund DPA
3.5% second mortgage — covers FHA down payment
%
$

Estimated Cash to Close

$10,947
FHA
Down Payment
$0
Closing Costs
$4,019
Prepaids
$6,929
Credits
$0
Down Payment (3.5% of $0)
$0
0
Documentary Stamp Tax (Deed) — Paid by seller in Florida. Not included in buyer's cash to close.
Documentary Stamp Tax (Mortgage)
$0
Intangible Tax (Mortgage)
$0
Recording Fees
$165
+$
+$
+$
POCHome Inspection (POC)
$450
POCWind Mitigation Inspection (POC)
$150
Prepaid Homeowners Insurance (12 months)
$5,939
Prepaid Mortgage Interest
$0
Property Tax Escrow (3 months)
$0
Homeowners Insurance Escrow (2 months)
$990
Total Cash to Close
Closing Costs+ $4,019
Prepaids & Escrow+ $6,929
Down Payment(3.5% of $0)
+ $0
POCPaid Outside Closing (not in wire)
$600
Total Cash to Close$10,947
* Wire amount excludes POC items ($600) paid directly to vendors
Recommended Reserves
Required: $990 (2 months PITI)

Lenders typically require 2 months of PITI in reserves after closing. Enter your total available cash below to check if you qualify.

$
Disclaimer: This calculator provides estimates for educational purposes only. Actual closing costs, taxes, and fees will vary based on your specific lender, title company, property, and transaction details. Florida documentary stamp tax rates, intangible tax, and title insurance rates are based on current Florida statutes. Always consult with a licensed mortgage professional, real estate attorney, and title company for accurate figures. Rates and program guidelines are subject to change.

Cash to Close Analyzer

Enter your available cash and we'll find every viable combination of loan type, DPA, and seller concessions (up to 6%) that fits your budget — ranked by maximum purchase price.

$
%
720
I am VA-eligible (veteran / active duty / surviving spouse)

Estimates are for informational purposes only and do not constitute a loan commitment. NMLS #2666676

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