Naples real estate



Estimated Closing Costs In The Naples Area


Common Disbursements

Loan Origination Fee


















Credit Report






Tax Service Fee







Underwriting Fee



Processing Fee 







Mortgagee's Title Policy 

250.00 - 400.00

Flood Certificate




Survey Fee



Courier/Express Mail




Home Inspection Fee




Termite Inspection




Appraisal Fee




Cesspool / Well Certification  (If Necessary )





Other Fees - If your down payment is less than 20% of the purchase price of the property, the mortgage will require PMI/MIP insurance. This will result in an additional out-of-pocket expense of 2.25% of the mortgage. This upfront cost can be financed into the mortgage

There is also a monthly PMI/MIP insurance premium, which is added to the mortgage payment. This premium ranges from .5% of the mortgage value to .78% depending on the size of down payment.

State Tax on Mortgage – 0.35 per 100


State Mortgage Intangible Tax – 0.20 per 100

Tax Deposits as required 

Flood Insurance Premium  - If required


Hazard Insurance Premium as required 

Transaction Coordination Fee

*These figures are an estimate only. They are subject to change and it is recommended that you consult your lawyer for confirmation of your total costs.

Jim Graham
Downing Frye Realtors, Inc.
3411 Tamiami Trail
Naples, FL 34103

1-866-298-6233 (Toll Free)
(239) 821-4195 (Cell)
(239) 593-8009 (Home)
(239) 593-9332 (Fax)

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