Miami closing cost quick question

[Rex Kemple]

Quick and easy question. I’m moving to Miami this coming spring and looking to purchase a duplex/triplex using an FHA loan. In Florida, does the seller pay 100% of closing costs or is some left to the buyer as well?... I’m budgeting for the move and deal and have been unable to find a straight answer... thanks!

[Tyler Sterns]

In most counties in Florida, it is customary that the seller chooses the title insurance company and the seller does in fact pay the Owner's title insurance policy. The buyer remains responsible for the lender's title insurance policy and typically the mortgage fee that the title company charges.

However, in Miami-Dade, the buyer typically chooses the title company and pays for title insurance. 

This is all negotiable though.