What Florida Buyers Need to Know About the Closing Disclosure
What’s Included (and Not) in a Florida Real Estate Closing Disclosure
The Closing Disclosure (CD) is one of the final documents you receive before signing the dotted line on your Florida home.
Here’s a quick guide to understanding what it includes—and what it doesn’t.
What Is the Closing Disclosure?
A federally required, five-page form that outlines:
- Your final loan terms
- All closing costs
- Estimated monthly payment
- Cash needed to close
You’ll receive it at least 3 business days before your Florida closing.
What’s Included
- Loan Terms
- Loan amount, interest rate, monthly principal & interest
- Projected Payments
- Monthly breakdown (including taxes & insurance if escrowed)
- Closing Costs Summary
- Lender fees, title charges, prepaid items, transfer taxes
- Cash to Close
- Exact amount you need to bring
- Loan Calculations
- Total paid over life of loan, APR, finance charges
- Contact Info
- Lender, title company, real estate agents
What’s NOT Included
- HOA fees not collected at closing (ask about ongoing dues)
- Utility transfers (you’ll set those up post-closing)
- Furniture or personal items not in the sale contract
- Moving costs, home warranties, or inspection invoices if paid separately
What to Do With Your CD
- Compare it to your Loan Estimate
- Ask about any fees you don’t recognize
- Confirm your cash-to-close is ready
Flag changes immediately—they could delay closing if not addressed.
Final Thought
The Closing Disclosure is your last checkpoint.
Read it carefully, ask questions, and arrive confident on signing day.
📞 Call Michael Renick at 941.400.8735 to walk through your Florida CD before closing and avoid surprises.
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