Florida Closing Cost & Property Tax Estimator

Estimate your buyer's cash to close and your seller's net on a Florida deal. Then see the estimated property tax under Amendment 3, effective Jan 1, 2027, projected 5 years out.

Quantyra Labs | v1.1 | rates checked October 2026 | updated for Amendment 3 (Nov 2026)

$15, one-time purchase. Excel + Google Sheets. Free updates for buyers. Estimates only.

Buy the Florida Closing Cost & Property Tax Estimator on Gumroad

Who it's for

• Florida real estate agents who want a clear net sheet for clients

• Loan originators who want a quick estimate of buyer cash to close and tax escrow

• Title and closing professionals who want a cited, line-by-line check

• FSBO sellers who want to see their net before they list

• Buyers relocating to Florida who want to understand closing costs and the new homestead rules

What's included

One ZIP file with:

1. FL-Closing-Cost-Property-Tax-Estimator-Quantyra-Labs.xlsx (blank workbook)

2. FL-Closing-Cost-Property-Tax-Estimator-EXAMPLE-DATA.xlsx (a made-up $400,000 Hillsborough deal)

3. README-Start-Here.txt

What it does

Buyer and seller net sheets

• Buyer cash to close and seller net proceeds, with property tax proration.

• Every closing-cost line has a Buyer, Seller or Split payer setting.

Florida rates included

• Deed doc stamps: $0.70 per $100. Miami-Dade: $0.60 per $100 plus $0.45 surtax.

• Note doc stamps: $0.35 per $100.

• Intangible tax: 0.2%.

• Promulgated title premiums: owner's, simultaneous lender's, and reissue.

• Recording fees, plus any fees you are quoted.

County customs for all 67 counties

• Who customarily pays for title and doc stamps, researched county by county.

• Sources listed on the Sources tab: Florida statutes and DOR pages for rates, plus published title-industry charts and polls for county customs.

Property tax under Amendment 3

• Up to $150,000 off non-school levies in 2027, and $250,000 from 2028.

• School levies: $25,000.

• The $250,000 amount is adjusted for inflation starting in 2029, and the new-resident amount starting in 2028.

• Buyers who did not maintain a permanent residence in Florida on Dec 31, 2026: $50,000 off non-school levies for their first 4 exemption years, then the increased homestead amount from year 5, to the extent permitted by the U.S. Constitution.

• The new 5% non-homestead cap, Save Our Homes, and portability.

• A 5-year projection labeled by tax year.

• An override cell, so you can adjust if implementing legislation changes the details.

Try the example first

The example workbook works through a made-up $400,000 Hillsborough deal. Every formula, payer setting and cited rate is visible. The example homestead shows an estimated annual tax of $5,705.38.

FAQ

Does it work in Excel and Google Sheets?

Yes. Open the .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets.

Does it cover all 67 Florida counties? Where do the customs come from?

Yes. County title customs were researched for all 67 counties. Sources are listed on the Sources tab: statutes and Florida DOR pages for rates, published title-industry charts and polls for county customs. Customs vary and are negotiable, and your contract controls.

How is Amendment 3 modeled? What is the override cell for?

The estimator applies the exemption amounts approved by voters on Nov 3, 2026, effective Jan 1, 2027, including the new-resident phase-in and the 5% non-homestead cap. Results are unofficial until state certification. Implementing legislation may add details, including how the exemption applies to a purchase mid-year. Counties, municipalities and special districts may increase the non-school exemption above these amounts for their own levies, so your actual exemption can be higher. The override cell lets you enter a different amount if the rules change.

Is this a Loan Estimate or Closing Disclosure?

No. It is an estimating tool. Your lender's Loan Estimate and Closing Disclosure are the official documents.

Who should buy this?

Florida agents, loan originators, title and closing professionals, FSBO sellers, and buyers relocating to Florida who want a clear, cited estimate.

What is the refund policy?

All sales are final. Because this is an instant digital download, refunds are not offered, except where required by applicable law or Gumroad policy. If a file will not open or something looks wrong, email [email protected] and we will help fix it.

How do free updates work?

Updates are free for buyers. When a new version comes out, download it again from your Gumroad library.

Does it show interest rates, payments or APR?

No. No rates, payments or APR are shown, and no lender or title company is recommended.

Important

Estimates only. Not a Loan Estimate or Closing Disclosure. Not tax, legal or financial advice. Confirm with your title company or closing attorney, your lender, and your county Property Appraiser. No lender or title company is recommended. No rates, payments or APR are shown. Amendment 3 results are unofficial until state certification. Implementing legislation may add details, including how the exemption applies to a purchase mid-year. Counties, municipalities and special districts may increase the non-school exemption above these amounts for their own levies, so your actual exemption can be higher. The workbook includes an override cell. County customs vary and are negotiable. Your contract controls.

License

For use by the purchaser. Do not resell, share or redistribute. (c) 2026 Quantyra Labs LLC.

Buy now on Gumroad