Real Estate Law
Florida Residential Closing — Brazilian Clients
In Florida, real estate closing is conducted by an attorney or title company. We represent Brazilian buyers and sellers through the entire process — contract review to deed recording. Title companies represent the transaction, NOT your interests. We represent you.
What we do in your closing
- Contract review (Purchase and Sale Agreement): contingencies, unfavorable clauses before signing, term negotiation
- Due diligence: 30–60 yr title search, liens, mortgages, easements, use restrictions; HOA review (docs, fees, restrictions, pending litigation)
- Title Insurance: owner's title policy + lender's policy (if financing) — protects against unidentified title defects
- Closing Disclosure review: line-by-line HUD-1 / CD review; catch incorrect charges (common for non-US buyers)
- Recording: deed filed with county; ownership proof issued
Typical Florida closing costs
| Item | Who pays | Typical amount |
|---|---|---|
| Doc stamps on deed | Seller | 0.70% of price |
| Doc stamps on mortgage | Buyer | 0.35% of financed amount |
| Intangible tax | Buyer | 0.20% of financed amount |
| Title insurance (owner) | Negotiable (FL: seller typically pays) | 0.50–0.57% |
| Title insurance (lender) | Buyer | ~$25–100 above owner |
| Closing fees | Buyer + Seller (split) | $500–1,500 |
| Recording fees | Buyer | $10–50 |
| Total closing (cash buyer) | 1.5–2.5% of price |
Frequently asked questions
Do I need an attorney for Florida closing?
Not required by law, but strongly recommended — especially for foreign buyers. The title company represents the transaction, not your interests.
Can I close remotely from Brazil?
Yes. We use Florida Remote Online Notarization (RON) and apostille for clients who can't be physically present.
How long does a typical closing take?
30–45 days after signed contract for financed purchases. 15–21 days for cash closings.
Who pays title insurance in Florida?
Depends on the county. In most Florida counties, seller pays owner's policy. Buyer always pays lender's policy when financing.
What is FIRPTA and does it affect me?
FIRPTA affects you when selling (not buying) as a foreigner — 10–15% withholding on gross price. Use our FIRPTA Calculator.
Ready to Take the Next Step?
Schedule a consultation today. We will listen, assess your situation, and give you a clear path forward — in the language you are most comfortable with.