🔑 Buyer Net Sheet (Tampa Bay, FL)

Estimated buyer cash to close for Tampa Bay, FL — lender fees, doc stamps, intangible tax, prepaids, and escrows. Estimate only.

Estimate only — this is an estimated buyer net sheet using customary Tampa Bay (FL) closing practices. Your lender's Loan Estimate and the title company's Closing Disclosure are the binding numbers.

County

Purchase Price

$50k$3M

Loan Type

Down Payment$90,000

3% min100%

Interest Rate (APR)

2%15%

Loan Term

Closing Date

Annual Property Taxest. 1.47% — resets to your price

$/yr

Homeowners Insurance

$/yr

Flood Insurance

$/yr

Owner's Title Policy Paid By

Hillsborough custom: seller pays. Negotiable in the contract.

Origination

Underwriting

Appraisal

Settlement Fee

Home Inspection

Wind Mit + 4-Point

WDO / Termite

Survey

Earnest Money Already Deposited

$0$200k

Seller Credit / Concessions

$0$100k

Estimated Cash to Close

$90,558

$90,000 down + $16,212 costs − $15,654 credits

Loan Amount

$360,000

Est. Monthly (PITI)

$3,193.36

Estimated Cost Breakdown

Lender

Origination (0.5% of loan)$1,800.00

Underwriting / processing$1,095.00

Appraisal$650.00

Credit report$90.00

State & County

Doc stamps on note ($0.35/$100)$1,260.00

Intangible tax on mortgage (2 mills)$720.00

Recording fees (deed + mortgage)$200.00

Title & Closing

Lender's policy (simultaneous issue)$25.00

Title endorsements$150.00

Title search / exam$275.00

Settlement / closing fee$550.00

Inspections & Survey

Home inspection$425.00

Wind mitigation + 4-point$175.00

WDO / termite inspection$125.00

Survey$475.00

Prepaids & Escrow

Prepaid interest (22 days)$1,410.41

Homeowners insurance (12 mo)$4,400.00

Tax escrow (3 mo)$1,653.75

Insurance escrow (2 mo)$733.33

Total Estimated Costs$16,212.49

Bottom Line

Down payment (20%)$90,000

Closing costs, prepaids & escrow$16,212

Less earnest money-$10,000

Less tax proration credit (312 days)-$5,654

Estimated cash to close$90,558

Florida taxes are paid in arrears, so the seller credits you for Jan 1 through closing. Your taxes reset to the purchase price the year after you buy — Save Our Homes caps only apply once you file homestead. Wind mitigation and 4-point inspections are usually required by Tampa Bay insurers and can meaningfully lower your premium.

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