In short
On the 3,297 home purchase loans reported in Santa Rosa County for 2025, the median "total loan costs" on the Closing Disclosure was $7,575, or 2.38% of the loan amount. Half the loans fell between $4,367 and $10,995. 54.1% of borrowers paid discount points (median $3,054), and 29% received lender credits. The median interest rate was 6.125%.
The figures
| Loans analysed | 3,297 |
|---|---|
| Total loan costs, cheapest quarter (25th percentile) | $4,367 |
| Total loan costs, median | $7,575 |
| Total loan costs, most expensive quarter (75th percentile) | $10,995 |
| Median total loan costs as a share of the loan | 2.38% |
| Median origination charges | $1,250 |
| Borrowers who paid discount points | 54.1% (median $3,054) |
| Borrowers who received lender credits | 29% (median $153) |
| Median interest rate | 6.125% |
| Median loan amount | $335,000 |
Rank in Florida: 29 of 39 counties with at least 500 loans, from the highest median total loan costs. Points and credits medians are among the borrowers who paid or received them. Loan amounts in the public data are rounded to the middle of a $10,000 band.
By type of loan
| Loan type | Loans | Median total loan costs | Middle half | Median rate |
|---|---|---|---|---|
| Conventional | 1,055 | $5,552 | $3,796 to $8,424 | 6.5% |
| FHA | 671 | $10,176 | $8,602 to $12,025 | 5.99% |
| VA | 1,517 | $7,317 | $3,284 to $11,691 | 5.99% |
Loan types with at least 100 loans in the county.
What the data covers
Home purchase loans that were originated in 2025: first liens on a site-built single-family home (1 to 4 units) that is the borrower's principal residence, excluding reverse mortgages, lines of credit and business-purpose loans, with total loan costs reported. "Total loan costs" is the amount disclosed on the Closing Disclosure (Regulation C, 12 CFR 1003.4(a)(17); Regulation Z, 12 CFR 1026.38(f)(4)). Transfer taxes, recording fees, prepaid interest, insurance and escrow deposits are not part of it.
Questions
Is my Loan Estimate expensive for Santa Rosa County?
Compare the total of Section D ("Total Loan Costs") on your Loan Estimate with what borrowers paid in 2025: $4,367 for the cheapest quarter of loans, $7,575 at the median and $10,995 for the most expensive quarter. Above $10,995, ask the lender why and compare other offers.
What is included in total loan costs?
Origination charges, services you cannot shop for and services you can shop for, as shown in Section D of the Loan Estimate and Closing Disclosure. Transfer taxes, recording fees, prepaid items and escrow are in other sections and are not included.
Do FHA or VA loans cost more in Santa Rosa County?
Conventional: median $5,552 (1,055 loans); FHA: median $10,176 (671 loans); VA: median $7,317 (1,517 loans).
General information drawn from the official sources cited and dated on this page. It is not legal, tax or financial advice: for your own situation, ask a licensed professional.
Related
- Closing costs explained: what each line means
- Mortgage discount points
- Florida closing costs: the state rules
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