The monthly cost lenders' calculators leave out

In Florida, insurance, flood coverage, condo fees and CDD assessments can add up to more than the interest. Enter your real numbers to see the whole payment.

Total monthly cost—

Florida costs to check before you make an offer

Homeowners insurance depends on roof age, wind mitigation features and distance to the coast. Ask for a quote with a wind mitigation inspection before you commit.
Flood insurance is required by lenders in high-risk FEMA zones and is worth pricing in every coastal county.
CDD assessments pay for infrastructure in many newer communities. They appear on the property tax bill and can run for decades.
Condo fees have risen since Florida's 2022 condo safety laws required structural reserve studies. Ask for the latest budget and any pending special assessments.
Property tax is based on your price, not the seller's bill. Use the property tax calculator for your first-year estimate.

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