On a $430,000 Apopka home with 10% down and a conventional loan at 7.18%, plan on about $56,800 in cash to close: $43,000 down, about $6,600 of closing costs (1.5% of the price) and about $7,150 of prepaid insurance, interest and escrow reserves. That assumes the seller pays for the owner's title policy, which is the custom in Orange County.
What Florida adds to a mortgage
Documentary stamps on the note. $0.35 per $100 borrowed, rounded up to the next $100. On a $387,000 loan that is $1,354.50. There is no cap on a recorded mortgage.
Intangible tax. 0.2% of the loan, paid when the mortgage is recorded: $774 on $387,000. Together the two taxes run about 0.55% of the loan. A cash buyer pays neither. With FHA or VA, the financed upfront premium or funding fee is part of the note, so both taxes are figured on the larger amount.
Title insurance. Florida sets title premiums by rule, so every title company charges the same. When the owner's and lender's policies are issued together, the lender's policy is $25. The owner's policy on $430,000 is $2,225. In Orange County the seller customarily pays it; switch the toggle if your contract says the buyer does, which is common with new construction.
Recording. The Orange County Comptroller charges $10 for the first page and $8.50 for each page after. The tool assumes a two-page deed and a twenty-page mortgage: $190.
Closing fee and endorsements. The tool adds a flat $725 on a financed purchase: $475 for the title company's closing fee, the midpoint of the $350 to $600 range published for the Orlando market in 2026, plus a $250 allowance for the lender's title endorsements, for which we found no published price. A cash purchase gets the $475 only. Ask your title company for its own figures.
The fields you should overwrite
Lender fees, the appraisal, inspections and the survey start at round placeholders. Replace them with the figures on your Loan Estimate and your inspector's quote. We found no reliable published figure for a boundary survey, so that field is labeled as your quote. A four-point inspection and a wind mitigation inspection typically run $75 to $175 each in 2026, on top of the general home inspection.
Prepaids and escrow
These are your own future bills collected early, not fees. The tool counts the first year of insurance ($3,610 is Orange County's average with wind coverage, as reported from the state regulator's July 2026 report), daily interest from closing day to the end of the month, three months of property tax and two months of insurance to start the escrow account. Tax reserves use the non-homestead rate, because your exemption does not begin until the January 1 after you move in. Closing late in the month lowers the interest line.
Your escrow deposit, customarily 1% to 3% of the price, is credited against the total. Next, see the monthly payment, check down payment assistance, or map the deadlines with the contract-to-close calendar. The guides and neighborhood pages have more.
Where the numbers come from
| Input | Value | Source |
|---|---|---|
| Documentary stamps on a note | $0.35 per $100 (current November 2026) | Florida Dept. of Revenue |
| Nonrecurring intangible tax | 0.2% of the loan | Florida Dept. of Revenue |
| Title premium; simultaneous lender's policy | $5.75 / $5.00 per $1,000; $25 | Fla. Admin. Code 69O-186.003 |
| Recording fees | $10 first page, $8.50 each additional | Orange County Comptroller |
| Title company closing fee | $350 to $600 (2026, Orlando market); the tool uses $475 | Pozek, closing costs in Florida 2026 |
| City of Apopka millage, 2026 | 16.0079 mills (final) | Orange County Property Appraiser |
| Average insurance, Orange County | $3,610 a year with wind (report of July 1, 2026) | Florida Office of Insurance Regulation, as quoted by LiveCovered |
| 30-year fixed average | 7.18% (week of November 5, 2026) | Freddie Mac PMMS |
| Four-point and wind mitigation inspections | $75 to $175 each (2026) | Citizens Property Insurance; inspector price surveys |
| Survey | No reliable published figure | Enter your own quote |
Questions people ask
How much are closing costs for a buyer in Florida?
A common 2026 range is 2% to 5% of the price, not counting the down payment. The $430,000 example here comes to $13,769, or 3.2%: $6,619 of closing costs plus $7,151 of prepaid insurance, interest and escrow reserves. The spread depends mostly on lender fees, your insurance premium and who pays for the owner's title policy.
What are doc stamps and intangible tax on a Florida mortgage?
They are two state taxes on the loan, paid by the borrower at closing. Documentary stamps are $0.35 per $100 of the note and intangible tax is 0.2% of the mortgage. On a $387,000 loan they total $2,128.50. Paying cash avoids both.
Can the seller pay my closing costs?
Yes, if you negotiate it, within lender limits. On a conventional loan for a primary home the cap is 3% of the price with less than 10% down, 6% with 10% to just under 25% down and 9% with 25% or more down. FHA allows up to 6% and VA limits certain concessions to 4%. The credit cannot exceed your actual closing costs and prepaids, so confirm the figure with your lender.
Do I need a four-point inspection in Apopka?
If the home is older, probably. Citizens requires a four-point inspection (roof, electrical, plumbing and air conditioning) on homes more than 20 years old, and most private insurers ask at about 20 to 30 years. A wind mitigation inspection is optional but is how you earn wind credits on the premium. Each typically costs $75 to $175.
For a closing cost sheet on a specific address, ask Robert or call 352-504-6371.
