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Net Sheet for Buyers
Your true cash to close: down payment, lender and title fees, prepaids, and Florida's closing taxes, minus any credits.
Default price is the reported Polk County median sale price of $311,230 (September 2026). Fee figures are planning placeholders — your lender's Loan Estimate and Closing Disclosure show the actual numbers for your loan.
Your cash to close
$39,365
- Down payment
- $31,123
- Lender fees
- $2,801.07
- Title, settlement & recording
- $1,800
- Inspection & appraisal
- $900
- Doc stamps on the note ($0.35/$100)
- $980.70
- Intangible tax (0.2% of loan)
- $560.21
- Prepaid property tax
- $1,800.00
- First year of insurance
- $2,400
- Total before credits
- $42,365
- Seller credit & earnest money
- −$3,000
Estimate only, not a loan offer or financial advice. Actual cash to close appears on your lender's Closing Disclosure, delivered at least three business days before closing.