What Closing Costs Should Central Florida Home Buyers Expect?

Closing costs are the final stretch of your home-buying journey, but many buyers are surprised by how many line items show up at the finish line. In late 2025, Central Florida buyers in Clermont, Winter Garden, West Orlando, Windermere, Minneola, and Montverde can expect closing costs to average 3 to 6 percent of the purchase price, depending on loan type and the property itself. Understanding where the money goes helps you budget accurately and avoid last-minute stress.

Lender and Loan-Related Fees

If you're financing the purchase, your closing costs will include several lender charges. These may involve underwriting fees, application fees, credit report charges, appraisal fees, and discount points if you're buying down your interest rate. Loan-related expenses are typically the largest portion of your total closing costs.

Prepaids and Escrow

Florida buyers usually prepay certain ongoing housing costs at closing. This includes property taxes, homeowner’s insurance, mortgage interest, and HOA dues where applicable. Your lender also creates an escrow account to collect future payments, so the initial escrow deposit is part of the upfront cost. Because property insurance rates have climbed statewide, this section is often more expensive than buyers expect.

Inspections and Surveys

Buyers pay for home inspections, wind mitigation inspections, four-point inspections for older homes, and sometimes a property survey. Not every home requires every inspection type, but most buyers use at least two. These costs are modest individually, but together they can add up.

Title and Settlement

Florida is a title-state, which means buyers pay for certain title-related items unless negotiated otherwise. These may include title insurance (depending on county norms), settlement fees, recording fees, and document preparation charges. While sellers sometimes cover the owner’s title policy in parts of Central Florida, the buyer still pays the lender’s policy and associated closing fees.

Insurance and Additional Requirements

Lenders require homeowners insurance, and depending on the home’s location, you may need flood insurance or sinkhole coverage. Homes in more rural parts of Lake County or near certain water bodies can trigger additional requirements. These policies are issued at closing, so the cost is included in your upfront total.

Bottom Line

Most Central Florida buyers can expect closing costs between 2 and 5 percent of the purchase price. When you understand how each expense fits into the transaction, you can plan your budget confidently and avoid surprises as you approach your closing date.

If you're preparing to buy a home in Central Florida, I can break down your expected closing costs based on your loan type, location, and price point. Let’s make your budget clear and your path to closing smooth.