Florida Closing Cost Pro vs Vesper

Close more deals with a Florida closing-cost number you can hand a client in seconds. Florida Closing Cost Pro is the free estimate-and-share tool built for Florida real estate agents — buyer estimates, seller net sheets, and refinance costs with real Florida math, then a branded PDF you send under your own name. WHY AGENTS USE IT • 100% free. No subscription, no paywall, no per-report fee. • Real Florida math: deed & note documentary stamps, intangible tax, the Miami-Dade non-single-family surtax, promulgated title insurance rates, recording fees, prepaids, and prorations. • One clean screen: Buyer · Seller · Refinance in a single switch. • A big, clear closing-cost number up front; the full breakdown is one tap away. • Seller net sheet that reconciles to the penny — including the owner's title policy. • 'Compare both sides' shows buyer and seller costs side by side. • ALTA-style settlement preview for a debit/credit snapshot. • Send a branded, client-ready PDF — your photo, name, brokerage, and license — by email in one tap. BUILT FOR FLORIDA Every rate is Florida-specific. Pick the county and the app applies the right deed doc-stamp rate automatically, including Miami-Dade's $0.60-per-$100 base and the $0.45-per-$100 surtax on non-single-family transfers. No generic national guesswork. FREQUENTLY ASKED Is this a Florida closing cost calculator? Yes — buyer, seller, and refinance closing costs for all 67 Florida counties. Does it show cash to close in Florida? Yes — enter the deal and get the buyer's estimated cash to close, broken down line by line. Who pays title insurance in Florida? It varies by county and contract; the app defaults to the customary party for the county you choose and lets you override it. Does it do a seller net sheet for Florida? Yes — full seller net sheet with payoff, commission, doc stamps, and credits, net to the penny. Can Realtors use it with clients? Yes — it's built for Florida agents to brand and send estimates to buyers and sellers. Is there a Florida doc stamps calculator inside? Yes — deed stamps, note stamps, and intangible tax are calculated automatically from the price and loan amount. Free, fast, and Florida-accurate. Estimate only — not a Loan Estimate or Closing Disclosure; always verify final figures with a licensed Florida title or escrow professional. Powered by FL Title & Escrow Co.

Vesper is a working tool for people who follow Florida state government professionally — lobbyists, government-affairs teams, and the companies that sell to the state. It answers the questions that decide your week. What went out to bid this morning. Which contracts come up for renewal before session. What an agency actually paid a vendor, versus what the budget appropriated. Who represents you, and who runs each agency. IN THE APP Ask — a question in plain English, answered with its public sources attached; keep asking in the same conversation. Bids — every open solicitation from MyFloridaMarketPlace, closing soonest first, with what changed since your last visit and a plain-English summary drawn from the solicitation documents. Spending — the state's purchase orders and contracts, money layers kept separate; each company's page: what it sells, to whom, and who lobbies for it; the state's buying vehicles, how Florida buys, and each agency's technology. Recompete — contracts and renewals before they come back to market. Budget and LBR — the General Appropriations Act line by line with its provisos, and the agencies' budget requests. Legislature — all 160 seats: committees, sponsorship and member projects, and who represents any Florida address. Executive — the executive branch by name and by job, with this week's payroll changes. Lobby, Record and Law — the lobbying registry, Florida Channel hearings transcribed and searchable, and the Florida Statutes and Administrative Code. Saved — keep what you're tracking, in sync with vesperfl.com. HOW IT WORKS Vesper reads the state's own systems — MyFloridaMarketPlace, FACTS, Transparency Florida, the Florida Fiscal Portal — and keeps them current. Figures are shown as the state publishes them, and where two systems disagree, Vesper says so rather than quietly picking one. Browsing open solicitations needs no account. Everything else is by invitation: request an account at vesperfl.com. Vesper sells nothing, in the app or on the web.