✓Closing Fee CheckerWhich Florida closing and notary fees are set by law — and which are padding
Florida

Some closing fees are law. Some are padding.

Doc stamps are a state tax with a published rate. Title insurance rates are promulgated. A notary act is capped at $10. Around those sit 'processing', 'handling' and 'settlement' fees that are pure negotiation. Paste the sheet; see which is which before you wire anything.

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Doc stamps · Intangible tax · TitleNotary cap: $10 ($25 online)English · EspañolNothing you paste is stored
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Free fee check

Paste the fee sheet.

The closing disclosure's fee section, a title company's quote, or any bill with notary charges. Leave out names and account numbers.

Photos are resized on your device before sending. Nothing is stored.
Free. About 15 seconds.

Why this exists

Three of those numbers are math. The rest are a menu.

Doc stamps on the deed are $0.70 per $100 statewide (Miami-Dade differs). The note has its own stamp rate and the mortgage an intangible tax. Title premiums follow the state's promulgated rates. When a sheet is high, it's almost never the taxes — it's the fees stacked around them.

$0.70/$100documentary stamp tax on deeds statewide (Miami-Dade has its own structure) — a state tax, not a negotiable feeSource: Florida Dept. of Revenue, doc stampsPromulgatedFlorida title insurance premium rates are set by state rule — the premium itself is the same at every agency; the add-on fees are notSource: Barnes Walker, doc stamp & title guide$10 / $25the legal maximum for a Florida notary act — $10 in person, $25 for remote online notarisation (travel can be extra by agreement)Source: Fla. Stat. §117.05 / FindNotary guide

How it works

Law, market, or padding — every line sorted.

01

Paste the sheet

Fee names and amounts. No account numbers. Nothing stored.

02

See every line sorted

Set by law (with the arithmetic checked against the price in your text), standard-but-shoppable, or questionable.

03

Push back politely

The questions per line, and — paid — the email to the title agent or lender already drafted, plus a two-quote comparison.

Plans

Free to check. $9 before you wire six figures.

Buyer: FL homebuyers and refinancers at the most expensive week of their year. Channel: r/RealEstate + realtor partnerships + first-time-buyer FB groups.

Full check
$9one closing

Every line sorted with arithmetic shown, the drafted email, and a two-quote comparison.

  • Doc stamp / intangible arithmetic verified against your numbers
  • Drafted email questioning the flagged lines
  • Two-quote side-by-side
  • Print or save as PDF · 30 days on this device
Investor's year
$29per year

Multiple closings, refis and payoff statements for a year.

  • Unlimited checks for 12 months
  • Payoff and refi sheets included
  • Spanish and English
  • Cancel any time
Realtors & lenders
$99per month

Branded checker that makes your sheet the transparent one.

  • Unlimited client checks via your link
  • Your name in every answer
  • Spanish and English
  • Cancel any time

All prices in USD, handled by Stripe. Closing Fee Checker explains published rates and typical practice; it is not a lender, title agent, attorney or CPA.