Closing costs in Florida can surprise first‑time buyers and sellers. This Palm Coast‑specific guide explains each fee you’re likely to encounter in 2025 and who typically pays.
Typical Buyer Closing Costs
- Loan Origination: 0.5–1% of loan amount.
- Appraisal: $450–$600.
- Survey: $350 for standard lot; waterfront lots may cost more.
- Recording Fees: $0.70 per $100 of deed price.
Typical Seller Closing Costs
- Owner’s Title Policy: Paid by seller in Flagler County (approx. $5.75 per $1,000).
- Doc Stamps on Deed: $0.70 per $100 of sale price.
- HOA Estoppel: $250–$500.
Negotiable Items
In a balanced market, sellers may agree to cover part of the buyer’s title insurance or offer credits toward prepaid taxes and insurance.
How to Estimate Your Bottom Line
Ask your lender and title company for a Loan Estimate and Seller Net Sheet. These documents outline all fees so you can budget accurately.
Ways to Reduce Costs
- Shop multiple lenders for lower origination fees.
- Close at month‑end to reduce prepaid interest.
- Negotiate a seller credit during inspection repairs.
FAQs
Can closing costs be rolled into the loan? Yes, on some FHA and VA loans, but this increases your monthly payment.
Are there first‑time buyer assistance programs? Flagler County’s SHIP program offers up to $15,000 toward closing costs for eligible buyers.
Need a Detailed Estimate?
Contact our team for a personalized closing‑cost worksheet before you make an offer.