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Miami-Dade County, Florida
Florida closing costs follow statewide rules with a few county customs. Here is how they work in Miami-Dade County, with a sample sale you can check line by line.
$0.60 or $1.05
Doc stamps per $100 of the price
Single-family homes, or other property types
Buyer
Customarily pays the owner's title policy
A custom, negotiable in your contract
$214,622
Example net on a $500,000 sale
Sample numbers, see how
Miami-Dade County closing costs
What the calculator works out for you on a Miami-Dade County sale, and where each figure comes from.
Miami-Dade is the one Florida county with its own rate. The tax is charged on the sale price, rounded up to the next $100, and by custom the seller pays it.
Not sure how your property is classified? Your title company or closing attorney can confirm it.
In Miami-Dade County the buyer customarily pays for the owner's title policy. It is a custom, not a law: who pays is negotiable and is settled in your purchase contract.
Florida property taxes are paid in arrears, so the seller credits the buyer for January 1 through the day before closing. The calculator uses last year's bill less the 4% early payment discount.
If the home is in an HOA or condo association, the association issues an estoppel certificate showing what is owed. Florida law caps the fee, and any unpaid dues or special assessments are paid from your proceeds.
Worked example
Sample numbers run through the same engine as the calculator, so you can see every step from sale price to net.
Estimated net proceeds
$214,622
About 42.9% of the sale price
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| Item | Amount |
|---|---|
| Mortgage and liens | |
| First mortgage payoff | −$250,000 |
| Agent compensation | |
| Listing side (5%)From your listing agreement | −$25,000 |
| Florida taxes and closing fees | |
| Documentary stamp tax on deedMiami-Dade single-family: $0.60 per $100 | −$3,000 |
| Owner's title insurancePaid by buyer in this estimate | $0 |
| Settlement / closing feeTypical title company fee | −$495 |
| Municipal lien searchChecks for open permits and code liens | −$250 |
| Recording, wire and courierTypical | −$150 |
| Credits and adjustments | |
| Property tax proration (316 days)Seller credits buyer Jan 1 through the day before closing, prior year's bill less the early payment discount | −$6,483 |
| Sale price | $500,000 |
| Paid from the proceeds | −$285,378 |
| Estimated net proceeds | $214,622 |
Estimated Florida seller costs for a single-family home in Miami-Dade County, closing November 13, 2026. Estimate only. Your final figures come from the settlement statement your title company or closing attorney prepares.
Typical fees
Starting figures the calculator uses for every Florida sale. Your title company or closing attorney sets the actual amounts.
| Fee | Typical | When it applies |
|---|---|---|
| Settlement or closing fee | $495 | Every sale |
| Title search and exam | $350 | When the seller pays for the owner's title policy. In Miami-Dade County the buyer customarily does, so the example leaves out it. |
| Municipal lien search | $250 | Every sale. Checks for open permits and code liens. |
| Recording, wire and courier | $150 | Every sale |
| HOA or condo estoppel certificate | $299 | Only with an association. Florida law caps the fee. |
| Property tax proration | Varies | Every sale. Last year's bill less the 4% early payment discount, prorated to the day. |
Miami-Dade County FAQ
Miami-Dade has its own documentary stamp tax rules. A single-family home is taxed at $0.60 per $100 of the sale price. Other property types pay a $0.45 surtax on top, $1.05 per $100 in all. On a $500,000 sale that is $3,000 for a single-family home or $5,250 otherwise. By custom the seller pays it, and your title company or closing attorney can confirm how your property is classified.
By local custom the buyer usually pays for the owner's title policy in Miami-Dade County. It is a custom, not a law: who pays is negotiable and is settled in your purchase contract. At Florida's promulgated rate the owner's policy on a $500,000 sale is about $2,575. The calculator starts with the county custom and lets you switch it.
Florida property taxes are paid in arrears, so at closing the seller credits the buyer for the part of the year they owned the home: January 1 through the day before closing. The calculator bases the credit on last year's bill less the 4% early payment discount. For a closing on November 13, 2026 with a $7,800 bill, that is 316 days and a credit of about $6,483.
Your mortgage payoff and any other liens, the agent compensation you agree to, and closing fees such as the settlement fee, a municipal lien search, and recording, wire and courier charges. If the home is in an HOA or condo association there is also an estoppel certificate, and any unpaid dues or assessments are paid from your proceeds.
No. It is built from sample numbers so you can see how the math works. Your own payoff, price and listing agreement will change the result, so run the calculator with your numbers. Your final figures come from the settlement statement your title company or closing attorney prepares.
More answers on the seller FAQ.
Other counties
Each county page runs the same engine with that county's rules and customs.
Selling in a county not listed here? Choose Other Florida county in the calculator: the statewide doc stamp rate applies and you pick who pays the title policy.
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