Costs & fees
Closing costs
In short
Closing costs are the one-time fees to set up a loan and transfer a home — lender fees, title, appraisal, recording, and prepaids — all paid at closing.
Closing costs are the collection of one-time charges that finalize a purchase and a loan: lender fees such as origination, third-party costs such as the appraisal and title work, government recording and transfer charges, and prepaid items that fund your escrow account.
They are separate from the down payment and are itemized on your Loan Estimate up front and your Closing Disclosure at the end. Comparing the two documents line by line is how you catch a cost that drifted.
Who pays which cost is partly negotiable in the purchase contract, and some costs vary by county in Florida, so an estimate for your specific transaction is worth more than a rule of thumb.
Related
Current as of August 2026.