Closing on a mortgage costly here

Home prices may be falling in Florida, but buyers still have to fork over more cash than those in every state but one to close a deal, according to a study from Bankrate.com. Only Texas charges more in origination, title and closing costs than Florida, the study shows. Buyers of Florida homes are charged an average of $3,368. In Texas, it's $3,655. The figures are based on a $200,000 mortgage. Nationwide, the average origination and title fees on a $200,000 mortgage this year totaled $2,732, down from $3,118 in 2008. The least expensive state to close a deal is Nevada, where the combined fees total $2,276, according to the study.

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