Lowest closing cost mortgage lenders in Miami-Dade County County, Florida
In Miami-Dade County, Florida, homebuyers paid a median of $13,681 in closing costs in 2024 — above the Florida median of $8,887. The county saw 14,708 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, SPACE COAST CREDIT UNION offered the lowest median costs at $0, which is $11,460 less than the county median.
Homebuyers in Miami-Dade County County who chose SPACE COAST CREDIT UNION paid $13,681 less in closing costs than the county median.
County Median Costs
$13,681
+53.9% vs Florida ($8,887)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$5,822
Purchase Originations
14,708
vs Florida Median
53.9% above
$4,794
vs National Median
103.0% above
$6,940
Lender rankings in Miami-Dade County County
125 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.312% | $0 | 54 | −$11,460 | |
| 2 | $4,236 | 5.562% | $500 | 14 | −$7,224 | |
| 3 | $5,044 | 6.125% | $900 | 10 | −$6,416 | |
| 4 | $5,321 | 5.500% | $0 | 39 | −$6,139 | |
| 5 | $5,713 | 6.625% | $250 | 11 | −$5,747 | |
| 6 | $5,835 | 6.500% | $1,575 | 99 | −$5,625 | |
| 7 | $6,079 | 6.125% | $0 | 38 | −$5,381 | |
| 8 | $6,188 | 6.500% | $0 | 35 | −$5,272 | |
| 9 | $6,580 | 6.625% | $1,505 | 14 | −$4,880 | |
| 10 | $6,830 | 6.250% | $3,732 | 15 | −$4,630 | |
| 11 | $7,120 | 6.500% | $1,698 | 627 | −$4,340 | |
| 12 | $7,208 | 6.625% | $1,390 | 37 | −$4,252 | |
| 13 | $7,280 | 6.625% | $1,390 | 21 | −$4,180 | |
| 14 | $7,427 | 6.688% | $1,495 | 22 | −$4,033 | |
| 15 | $7,437 | 6.562% | $1,885 | 54 | −$4,023 | |
| 16 | $7,533 | 6.875% | $1,695 | 29 | −$3,927 | |
| 17 | $7,645 | 6.250% | $1,590 | 107 | −$3,815 | |
| 18 | $7,921 | 5.950% | $815 | 88 | −$3,539 | |
| 19 | $7,945 | 5.000% | $3,941 | 238 | −$3,515 | |
| 20 | $8,020 | 6.875% | $2,442 | 17 | −$3,440 | |
| 21 | $8,024 | 6.990% | $3,757 | 119 | −$3,436 | |
| 22 | $8,169 | 7.000% | $4,732 | 13 | −$3,291 | |
| 23 | $8,181 | 6.875% | $3,305 | 26 | −$3,279 | |
| 24 | $8,489 | 6.500% | $2,095 | 66 | −$2,971 | |
| 25 | $8,510 | 6.125% | $1,331 | 142 | −$2,950 | |
| 26 | $8,641 | 5.250% | $2,064 | 27 | −$2,819 | |
| 27 | $8,645 | 6.500% | $1,295 | 27 | −$2,815 | |
| 28 | $8,645 | 6.125% | $1,798 | 18 | −$2,815 | |
| 29 | $8,700 | 7.188% | $2,632 | 14 | −$2,760 | |
| 30 | $8,759 | 7.125% | $2,925 | 13 | −$2,701 | |
| 31 | $8,787 | 6.625% | $2,657 | 10 | −$2,673 | |
| 32 | $8,911 | 6.612% | $3,076 | 40 | −$2,549 | |
| 33 | $9,033 | 6.375% | $2,712 | 93 | −$2,427 | |
| 34 | $9,052 | 6.688% | $3,943 | 32 | −$2,408 | |
| 35 | $9,057 | 6.500% | $960 | 17 | −$2,403 | |
| 36 | $9,068 | 6.162% | $698 | 12 | −$2,392 | |
| 37 | $9,127 | 6.125% | $1,090 | 102 | −$2,333 | |
| 38 | $9,227 | 6.188% | $995 | 20 | −$2,233 | |
| 39 | $9,431 | 6.500% | $3,389 | 154 | −$2,029 | |
| 40 | $9,451 | 6.600% | $1,250 | 61 | −$2,009 | |
| 41 | $9,454 | 6.763% | $4,311 | 68 | −$2,006 | |
| 42 | $9,510 | 6.750% | $1,252 | 75 | −$1,950 | |
| 43 | $9,516 | 6.750% | $4,649 | 143 | −$1,944 | |
| 44 | $9,557 | 6.812% | $2,509 | 38 | −$1,903 | |
| 45 | $9,689 | 7.125% | $1,845 | 12 | −$1,771 | |
| 46 | $9,701 | 6.438% | $1,457 | 18 | −$1,759 | |
| 47 | $9,739 | 6.875% | $4,665 | 56 | −$1,721 | |
| 48 | $9,742 | 5.875% | $0 | 11 | −$1,718 | |
| 49 | $9,751 | 6.625% | $4,250 | 24 | −$1,709 | |
| 50 | $9,904 | 6.875% | $2,250 | 13 | −$1,556 | |
| 51 | $9,945 | 6.875% | $2,384 | 24 | −$1,515 | |
| 52 | $10,260 | 6.625% | $6,214 | 644 | −$1,200 | |
| 53 | $10,300 | 5.950% | $1,195 | 19 | −$1,160 | |
| 54 | $10,391 | 6.128% | $1,250 | 27 | −$1,069 | |
| 55 | $10,586 | 7.125% | $5,360 | 137 | −$874 | |
| 56 | $10,620 | 6.000% | $2,494 | 39 | −$840 | |
| 57 | $10,868 | 6.990% | $6,242 | 24 | −$592 | |
| 58 | $10,890 | 6.500% | $2,614 | 29 | −$570 | |
| 59 | $11,021 | 7.125% | $5,939 | 61 | −$439 | |
| 60 | $11,058 | 6.625% | $5,238 | 20 | −$402 | |
| 61 | $11,071 | 6.875% | $5,887 | 60 | −$389 | |
| 62 | $11,174 | 6.990% | $6,428 | 22 | −$286 | |
| 63 | $11,199 | 6.938% | $7,120 | 24 | −$261 | |
| 64 | $11,286 | 7.125% | $6,648 | 133 | −$174 | |
| 65 | $11,548 | 6.875% | $7,216 | 56 | +$88 | |
| 66 | $11,800 | 6.875% | $6,883 | 105 | +$340 | |
| 67 | $11,996 | 6.312% | $1,250 | 16 | +$536 | |
| 68 | $12,030 | 6.990% | $6,212 | 154 | +$570 | |
| 69 | $12,034 | 6.875% | $6,634 | 60 | +$574 | |
| 70 | $12,119 | 7.125% | $6,668 | 12 | +$659 | |
| 71 | $12,141 | 7.125% | $6,738 | 46 | +$681 | |
| 72 | $12,400 | 6.990% | $6,890 | 123 | +$940 | |
| 73 | $12,868 | 5.938% | $495 | 10 | +$1,408 | |
| 74 | $12,960 | 6.875% | $7,776 | 30 | +$1,500 | |
| 75 | $12,977 | 6.875% | $6,850 | 26 | +$1,517 | |
| 76 | $13,169 | 6.875% | $8,025 | 2,569 | +$1,709 | |
| 77 | $13,174 | 6.875% | $7,828 | 157 | +$1,714 | |
| 78 | $13,448 | 6.875% | $7,963 | 201 | +$1,988 | |
| 79 | $13,525 | 6.875% | $6,780 | 23 | +$2,065 | |
| 80 | $13,620 | 6.875% | $7,286 | 12 | +$2,160 | |
| 81 | $13,834 | 6.625% | $8,381 | 90 | +$2,374 | |
| 82 | $13,843 | 7.062% | $9,104 | 14 | +$2,383 | |
| 83 | $14,574 | 6.625% | $9,408 | 33 | +$3,114 | |
| 84 | $14,580 | 7.125% | $9,298 | 44 | +$3,120 | |
| 85 | $14,593 | 6.990% | $9,165 | 411 | +$3,133 | |
| 86 | $14,686 | 7.688% | $10,057 | 16 | +$3,226 | |
| 87 | $14,995 | 6.625% | $9,635 | 35 | +$3,535 | |
| 88 | $15,124 | 7.125% | $10,750 | 31 | +$3,664 | |
| 89 | $15,255 | 6.990% | $10,480 | 43 | +$3,795 | |
| 90 | $15,295 | 7.125% | $10,227 | 60 | +$3,835 | |
| 91 | $15,620 | 6.875% | $9,552 | 83 | +$4,160 | |
| 92 | $15,833 | 7.490% | $10,745 | 414 | +$4,373 | |
| 93 | $16,046 | 6.750% | $10,408 | 48 | +$4,586 | |
| 94 | $16,175 | 7.125% | $8,848 | 54 | +$4,715 | |
| 95 | $17,340 | 7.812% | $11,415 | 12 | +$5,880 | |
| 96 | $17,350 | 7.125% | $10,870 | 25 | +$5,890 | |
| 97 | $17,377 | 7.000% | $10,400 | 23 | +$5,917 | |
| 98 | $17,602 | 7.188% | $11,821 | 10 | +$6,142 | |
| 99 | $17,648 | 7.188% | $10,595 | 12 | +$6,188 | |
| 100 | $18,017 | 7.500% | $12,793 | 86 | +$6,557 | |
| 101 | $18,143 | 7.125% | $12,286 | 40 | +$6,683 | |
| 102 | $18,194 | 7.000% | $13,057 | 40 | +$6,734 | |
| 103 | $18,215 | 7.870% | $12,932 | 14 | +$6,755 | |
| 104 | $18,872 | 7.999% | $12,573 | 41 | +$7,412 | |
| 105 | $19,067 | 8.125% | $13,928 | 86 | +$7,607 | |
| 106 | $19,203 | 7.625% | $13,148 | 102 | +$7,743 | |
| 107 | $19,562 | 7.250% | $13,781 | 16 | +$8,102 | |
| 108 | $19,598 | 7.375% | $13,675 | 39 | +$8,138 | |
| 109 | $19,828 | 7.499% | $11,143 | 29 | +$8,368 | |
| 110 | $19,894 | 8.000% | $14,985 | 20 | +$8,434 | |
| 111 | $20,306 | 8.188% | $13,898 | 10 | +$8,846 | |
| 112 | $21,122 | 8.000% | $15,214 | 29 | +$9,662 | |
| 113 | $21,123 | 7.375% | $15,424 | 19 | +$9,663 | |
| 114 | $21,215 | 7.562% | $14,674 | 22 | +$9,755 | |
| 115 | $21,663 | 7.999% | $14,069 | 26 | +$10,203 | |
| 116 | $21,712 | 7.500% | $14,369 | 48 | +$10,252 | |
| 117 | $23,130 | 7.990% | $16,965 | 31 | +$11,670 | |
| 118 | $23,584 | 7.500% | $16,474 | 10 | +$12,124 | |
| 119 | $23,652 | 7.999% | $18,443 | 52 | +$12,192 | |
| 120 | $35,398 | 7.688% | $24,774 | 18 | +$23,938 |
Includes lenders with 10+ purchase originations in Miami-Dade County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Florida → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.