What It Really Costs to Buy on 30A
The price on the listing is only part of the story. Here's what buying a home along 30A actually costs — the money you'll bring to closing, and what you'll pay every month after — in plain English.
The short version
- Paying cash? Plan on roughly 1.5% to 3% of the price on top of the purchase.
- Financing? Plan on roughly 2.5% to 5%, plus your down payment.
- Here, the seller usually covers the two biggest closing items — the owner's title insurance and the tax on the deed. That's why buyers on 30A often pay less at closing than they expect.
Inside this guide
- Costs the State of Florida sets
- Who pays what along 30A
- The smaller fees that add up
- HOAs: read the fine print
- The property tax surprise
- Money due at closing if you finance
- Insurance
- Cash or loan?
- Run the numbers on any home