RATES
We keep our fees honest and very reasonable. Have you ever had a title company tell you that they have the lowest closing fee in town? That’s probably because they add on other fees such as a Document Preparation fee, overnight delivery fees, courier fees, wire fees, etc. At Realty Title Solutions, we only charge one Settlement fee so there are never any surprises.
We keep our fees honest and very reasonable. Have you ever had a title company tell you that they have the lowest closing fee in town? That’s probably because they add on other fees such as a Document Preparation fee, overnight delivery fees, courier fees, wire fees, etc. At Realty Title Solutions, we only charge one Settlement fee so there are never any surprises.
CLOSING FEES
$455 for improved property to party paying title insurance
$400 for vacant land to party paying title
$555 additional to buyer if obtaining a loan
$455 for refinances
Search Fee: $75.00 – $100.00
TITLE INSURANCE PREMIUM
Rates calculated per thousand
$0—$100,000 $5.75 per thousand
Over $100,000 $ million add $5.00 per thousand
Over $1 million add $2.50 per thousand
Simultaneous Loan Policy $150.00
Endorsements $45 each
Florida Form 9 10% of total premium
We do everything we can to ensure that the prices on our website are correct.
We reserve the right to change our prices at any time without notice.
Frequently Asked Questions
How much does title insurance cost in Florida?
Florida is a “promulgated rate” state, meaning the Florida Office of Insurance Regulation sets one premium schedule that every title company must legally charge — you can’t get a cheaper premium by shopping title companies. The current promulgated rate is $5.75 per $1,000 of coverage for the first $100,000, and $5.00 per $1,000 for coverage above that, up to $1 million (with different tiers above that amount).
If the insurance premium is fixed, why do title company fees vary?
While the insurance premium itself is fixed by the state, the service fees — title search, examination, closing/settlement fees, courier fees, document preparation — are set independently by each title company. This is where it actually pays to compare providers.
Is there a minimum title insurance premium in Florida?
Yes. Florida’s minimum premium for an owner’s policy is $100.
What is the "simultaneous issue rate"?
When an owner’s policy and a lender’s policy are issued together in the same transaction with the same insurer, the lender’s policy can be charged at a reduced simultaneous-issue rate rather than the full premium, since the risk overlaps with the owner’s policy already in place. Florida sets a $25 minimum for this rate, but agencies are permitted to charge more, up to the value of the owner’s policy — so this fee can vary by provider. Ask your title company what they charge and why.
Who pays for title insurance in Florida — buyer or seller?
This is one of the most-searched questions, and the honest answer is: it depends on the county and local custom, and it’s negotiable in the contract. In many Florida counties the seller customarily pays for the owner’s policy, while in others (notably parts of South Florida) that custom shifts toward the buyer. We’re happy to walk you through what’s typical for your specific county.
Are there discounts available on Florida title premiums?
Yes. Florida’s promulgated rate schedule includes discounts for reissue transactions (refinances within a set window of a prior policy) and for new-home purchases in certain situations. We’ll confirm which, if any, apply to your transaction.
What are documentary stamp taxes, and how do they relate to closing?
Florida charges documentary stamp tax on the deed (typically $0.70 per $100 of the sales price in most counties, $0.60 in Miami-Dade) and on any new mortgage ($0.35 per $100 of the loan amount). These are separate from title insurance premiums but are collected and paid at closing.
Does Miami-Dade County have different closing costs than the rest of Florida?
Yes. Miami-Dade has a lower documentary stamp tax rate on deeds for most residential property, plus an additional surtax on non-homestead property, and local custom on who pays for the owner’s policy differs from much of the rest of the state.
1227 SE 47th Street, Cape Coral, FL 33904 • Tel: 239-344-DEED (3333) • Fax: 239-242-2014
© 2026. Realty Title Solutions, LLC. * All rights reserved. Privacy Policy Website by Visitivity Inc.
1227 SE 47th Street, Cape Coral, FL 33904
Tel: 239-344-DEED (3333) • Fax: 239-242-2014
© 2026. Realty Title Solutions, LLC. * All rights reserved. Privacy Policy Website by Visitivity Inc.