The standard line items
Buyer closing costs include lender charges (origination, underwriting, appraisal), title charges (search, title insurance, settlement fee), government recording fees and Florida transfer taxes, and prepaid items: the first year of homeowners insurance, several months of property taxes, and prepaid interest for your escrow account. As a rough planning habit, buyers commonly budget a low single-digit percentage of the purchase price for these — your Loan Estimate will give you exact figures.
Amenity and active-adult communities add fees
HOA communities — from the Canyon developments to the 55+ Valencia neighborhoods — often include application fees, transfer fees and estoppel charges at closing, and some collect the first quarter or month of dues up front. Active-adult communities may also have capital contribution or membership fees, so ask specifically about those. Request the association's fee schedule during your inspection period so nothing at the table is a surprise.
New construction: read the incentive fine print
Builder closing-cost credits and rate buydowns can meaningfully reduce what you bring to closing — if the loan terms underneath are competitive. Compare the builder's affiliated lender against an independent one on the same day before deciding where the savings really are.
Negotiation and wire safety
Seller credits toward buyer closing costs are a normal part of offers, especially on homes that have lingered. And before any funds move, verify wire instructions by phone using a number you found independently — wire fraud specifically targets closings.
Let's talk it through
I'll lay out realistic closing figures for the community you're considering, incentives and association fees included.
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