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Use the chart below as a guideline for your Setco closing costs. We ask you to keep in mind these are the average closing costs shown below, but yours may differ depending on your real estate contract.

For more information, call Setco Services:
Phone: 850.650.6161 | Toll-Free: 866.24.TITLE (866.248.4853) | Fax: 850.650.5817

Setco Services

12815 Emerald Coast Parkway, Suite 124
Destin, FL 32550

Phone: 850.650.6161
Fax: 850.650.5817

CLOSING FEES TYPICAL BUYER'S REPONSIBILITY
Loan Origination 1-3% of Loan Amount
Loan Discount 1-3% of Loan Amount
Appraisal Fee Approx. $300-$700
Underwriting Fee Approx. $100-$200
Flood Certification Fee Approx. $25-$50
Tax Service Fee Approx. $50-$95
Express Mail Courier Approx. $25 Per Delivery
Pre-paid Interest Computed on a Daily Rate
Hazard Insurance Premium 1 Year Coverage
Mortgage Insurance Approx. 1-1.5% of Loan Amount
Escrows / Taxes / Insurance & Assess. Per Lender Requirements
Settlement Closing Fee $600
Owner’s Title Insurance Promulgated Rate - Based on Purchase Price - Call for Quote
Lender’s Title Insurance Promulgated Rate - $300 if Simultaneous Issues with Owners Policy - Call for Quote
Endorsements to Lender Policy:
– Florida Form 9 Promulgated Rate – Based on 10% of Combined Owner’s and Lender’s Policy
– Navigational Servitude Promulgated Rate – Based on 10% of Combined Owner’s and Lender’s Policy
– Condominium 4.1 $25
– PUD 5.1 $25
– Environmental 8.1 $25
– Variable Rate 6.1 $25
– Mobile Home $25
– Modification $500
Recording Fees* $10 for 1st Page and $8.50 for Each Additional Page
Intangible Tax on Mortgage $.0020 x Loan Amount
Doc. Stamps on the Mortgage $.0035 x Loan Amount
Survey Approx. $350-$550
Pest Inspection Approx. $45-$250
HOA/Condominium Fees* Prorated/Per Association
Property Tax Prorations* Prorated
Home Inspection Approx. $300-$550
Document and Storage Fee Approx. $50

Closing Cost Summary

CLOSING FEES TYPICAL SELLER’S RESPONSIBILITY
Real Estate Commission Per Listing Agreement
Abstract/Title Search Fee $175
Recording Fees* $10 for 1st Page and $8.50 for Each Additional Page
Doc. Stamps on the Deed $.0070 x Purchase Price
HOA/Condominium Fees* Prorated
Property Tax Prorations* Prorated
Payoff of Existing Mortgages Per Lender Estoppel
Pre-paid Interest Computed on a Daily Rate
Home Warranty Approx. $395-$600
Simultaneous Fee $300
Lien Search Fee $100 - $225 (varies by county)

*Fees apply to both buyer and seller side.

This guideline is based on industry standards for a conventional mortgage and is meant to serve as an estimate only. All fees may not apply to all closings, and there may be additional fees depending on the situation.