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Questions to Ask Before You Wire Closing Funds

Use the free tool — Closing Fee Checker

What This Guide Covers

You are about to close on a property in Florida and someone has asked you to wire money. This page explains, in plain language, which fees on a closing disclosure, title quote, or notary's bill are set by Florida law and which ones can vary. It also lists questions to ask before you send a wire.

Fees Set by Florida Law

Some charges are not up for negotiation because state law or state rule fixes them:

• Documentary stamp tax (doc stamps)
• Intangible tax
• Promulgated title insurance rates
• The $10 cap a notary can charge per notarial act

These amounts come from state rule or statute. Confirm the current rate and how it applies to your transaction with your closing agent, title company, or the Florida Department of Revenue before you sign anything.

Fees That Can Vary

Not every line on a closing disclosure or title quote is fixed. Settlement fees, courier charges, and some administrative fees can differ from one company to another. Ask your title company or attorney directly which charges in your file are negotiable and which are not.

Questions to Ask Before You Wire Funds

• Who sent these wiring instructions, and can I confirm them by phone using a number I already have on file — not a number from the email itself?
• Does this fee reflect a Florida-promulgated rate, or is it a company-specific charge?
• Is the notary fee at or under the $10 per-act cap?
• Can I get the final numbers in writing before I send any money?
• Who do I call at my bank and at the title company right away if something looks wrong?

A Word of Caution

Wire fraud targeting real estate closings is a real and known risk. Never rely only on instructions you received by email. This guide is not legal or tax advice. Confirm every number and every instruction with your closing agent, title company, closing attorney, or the Florida Department of Revenue before you act.

What to Do Next

You do not have to guess at any of this. Paste your closing disclosure, title quote, or notary's bill into the free tool. It reads the actual numbers on your own document and flags which charges match Florida's fixed rates, which look negotiable, and what to ask before you wire funds. This is not legal or tax advice — always confirm final numbers with your title company, closing attorney, or the Florida Department of Revenue.