Kane Brooks, Realtor® · Keller Williams Gainesville Realty Partners · Each Office Is Independently Owned and Operated.
| Item | Amount | Source, required |
|---|---|---|
| Down payment of the purchase price | $ | |
| Loan & lender fees origination, points, underwriting | $ | |
| Prepaids & escrow reserves taxes + insurance held at close | $ | |
| Title, settlement & recording | $ | |
| Home inspection | $ | |
| Appraisal | $ | |
| Survey & wind mitigation if ordered | $ | |
| Less: deposit & seller credits already paid or negotiated | −$ | |
| Total cash to close | $0 | from the lender's Loan Estimate |
The Loan Estimate is the source. Federal law requires your lender to give you one within three business days of application, these lines are filled from it, not guessed.
| Item | Per month | Source / basis |
|---|---|---|
| Principal & interest rate & term | $ | |
| Property taxes non-homestead basis | $ | |
| Homeowner’s insurance | $ | |
| Flood insurance or “not required” | $ | |
| HOA / condo dues | $ | |
| CDD / special district | $ | |
| Mortgage insurance PMI / MIP, if any | $ | |
| Total monthly payment | $0 | principal, interest, taxes, insurance, dues |
Taxes are shown on a non-homestead basis. The seller’s current bill reflects their exemptions and cap, it is the most misleading number a Florida buyer inherits. Your bill resets on your purchase price.
In 2026 Florida the insurance quote, not the mortgage, is what surprises people. The premium is driven by the roof age and covering, the age of the major systems, the flood zone, and whether a current wind-mitigation report exists. Get a real quote on the specific address before the inspection period ends, not a rough number, a bindable quote.
Ask, in writing, whether any special assessment is voted, pending, or discussed, and what the milestone inspection and structural reserve study show. Confirm the current statutory requirement with the association or the closing agent. This sheet does not print the trigger thresholds, because a form outlives a statute. An assessment you learn about after closing becomes your bill.
No figure appears on this sheet without a source. Where one cannot be sourced yet it stays blank with the reason noted. Figures are filled per property, never estimated. We complete it together before you write an offer, so nothing on this list surprises you at the table.