Calculators
Refinance closing costs, by the book
Refinancing a Florida home? Get the title-side math on the new loan in seconds — the lender's policy at the promulgated rate, documentary stamps on the note, nonrecurring intangible tax, recording, and Milestone's published $895–$1,250 settlement fee. Have a prior policy? We flag the possible reissue credit instead of inventing a discount.
The amount of the new mortgage being closed — the note stamps, intangible tax, and lender's policy are all computed on it.
Florida's reissue/substitution rates can lower the lender's premium when a qualifying prior policy exists. This estimate stays at the full promulgated rate and flags the possible credit — eligibility is confirmed by our team from the actual policy.
Optional: add fees from a quote, if known
Milestone Title's published range: $895–$1,250 per closing — your file's exact flat figure is quoted in writing.
Estimated refinance closing costs (title-side)
$400,000.00 · Florida statewide
- $2,075.00
Lender's title insurance premium
Florida promulgated rate on the new loan amount
- $1,400.00
Documentary stamps on the note
- $800.00
Nonrecurring intangible tax on the mortgage
- $129.00
Recording — mortgage
Estimated at 15 pages
Milestone settlement fee
Published range, every closing — your exact flat figure is quoted in writing before we start and does not move at the table. Allocation per your contract.
Educational estimate based on Florida promulgated title rates (Rule 69O-186.003), documentary stamps on the note, nonrecurring intangible tax, statutory recording fees, and Milestone Title’s published settlement-fee range ($895.00–$1,250.00 — enter your written-quote figure above for an exact total), as of July 2026. Lender charges, payoff figures, prepaids, escrows, and third-party search charges vary by transaction and appear on your official quote and settlement statement. This is not a quote or a commitment.
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