Paste the Loan Estimate or Closing Disclosure — or say the price, the loan, the county, and whether you're buying or selling. In a few seconds you get each fee explained, who customarily pays it in Florida, what's negotiable, what changed since the estimate and whether that's allowed, and the questions for the closing agent. No account. Nothing stored.
Free — takes 30 seconds
Buying, selling or refinancing; the price and loan amount; the county; the loan type (FHA, VA, conventional, cash); and paste the fee lines from the Loan Estimate or Closing Disclosure if you have them — especially anything that went up.
Why this exists
Doc stamps are set by statute. The title premium is set by rule. Almost everything else on the statement is a custom, a contract term, or a lender fee with a federal rule about whether it can change. Three days is enough to ask — if you know which lines to ask about. This tells you.
How it works
Or the price, loan, county and the lines that changed. Nothing is saved.
Who pays in Florida, what's negotiable, what changed and whether that's allowed — in English or Spanish.
The annotated statement, the changed-circumstance request, the wire checklist and the refund letter, in the full version.
Plans
The free version explains the lines and flags what to ask. The kit gives you the annotated statement, the lender and agent requests, the wire-verification checklist and the after-closing refund letter.
The annotated fee list, the changed-circumstance request, the closing-agent questions, the wire-verification checklist, the closing-day document list and the after-closing refund letter. English or Spanish. Printable.
For a brokerage, a credit-union mortgage team, a title agency or a HUD-approved homebuyer-education provider that wants every client to understand the statement.
All prices in USD, handled by Stripe. The free check never goes behind a paywall.
Common questions
The first look is free, and the tool says nothing you paste is stored. If you want the full closing kit for one closing it's $9, or $99/month for brokerages, lenders and counselors. This is a free public-interest tool, not legal or financial advice — check the numbers with your closing agent.
It depends on the fee category: lender fees and transfer taxes generally can't increase at all, some third-party fees can rise up to 10% in total, and prepaids or shopped-for services have no limit (CFPB — Loan Estimate vs Closing Disclosure). If a fee jumped in a category that generally can't increase, the tool will flag it and suggest asking your lender for the changed-circumstance documentation — it won't tell you a fee was 'overcharged.'
It's a county custom set by your contract, not a state law — sellers customarily pay in many counties, including much of Central Florida, while buyers customarily pay in some South Florida counties (Florida OIR — Title insurance). The premium itself is the same everywhere because Florida sets it by rule; only the agent's fees differ. Read your contract's title section — that's what actually controls.
No — never trust wire instructions from an email, especially last-minute 'changed' ones; that's the classic scam (FBI — Real estate wire fraud). Always call the title company at a number from your contract or its known website to verify before sending anything. This tool can explain the warning but can't verify your specific wire — that call is on you.
Florida charges a documentary stamp tax on the deed — customarily paid by the seller in most counties but negotiable by contract — plus doc stamps on the note and an intangible tax on the mortgage, both customarily paid by the borrower (Florida Dept. of Revenue — Documentary stamp tax). There's no other state transfer tax or mortgage tax beyond these. The tool can show you these lines but can't confirm your county's exact custom — that's in your contract.
La primera revisión es gratis, y la herramienta indica que nada de lo que usted pegue se almacena. Si desea el kit completo de cierre para un cierre, cuesta $9, o $99 al mes para corredurías, prestamistas y consejeros. Esta es una herramienta gratuita de interés público, no es asesoría legal ni financiera — confirme las cifras con su agente de cierre.
Depende de la categoría del cargo: las tarifas del prestamista y los impuestos de transferencia generalmente no pueden aumentar, algunos cargos de terceros pueden subir hasta un 10% en total, y los prepagados o servicios que usted mismo cotizó no tienen límite (CFPB — Loan Estimate vs Closing Disclosure). Si un cargo subió en una categoría que en general no debería cambiar, la herramienta se lo señalará y le sugerirá pedirle al prestamista la documentación de la circunstancia que cambió — no le dirá que le cobraron de más.
Eso depende de la costumbre del condado según lo establecido en su contrato, no de una ley estatal — en muchos condados, incluida buena parte del centro de la Florida, paga el vendedor, mientras que en algunos condados del sur de la Florida paga el comprador (Florida OIR — Title insurance). La prima en sí es la misma en todas partes porque la Florida la fija por reglamento; solo varían los honorarios del agente. Lea la sección de título de su contrato — eso es lo que realmente decide.
No — nunca confíe en instrucciones de transferencia recibidas por correo electrónico, especialmente si son cambios de último momento; ese es el fraude clásico (FBI — Real estate wire fraud). Siempre llame a la compañía de título a un número que aparezca en su contrato o en su sitio web conocido para verificar antes de enviar cualquier dinero. Esta herramienta puede explicarle la advertencia, pero no puede verificar su transferencia específica — esa llamada le corresponde a usted.
La Florida cobra un impuesto de sellos documentales sobre la escritura — que por costumbre paga el vendedor en la mayoría de los condados, aunque es negociable por contrato — además de sellos documentales sobre el pagaré y un impuesto intangible sobre la hipoteca, ambos pagados por costumbre por el prestatario (Florida Dept. of Revenue — Documentary stamp tax). No existe otro impuesto estatal de transferencia ni impuesto hipotecario aparte de estos. La herramienta puede mostrarle estas líneas, pero no puede confirmar la costumbre exacta de su condado — eso está en su contrato.
Built by the same team, free to try.