New government regulations are driving up mortgage closing costs in the Sunshine State.

Florida ranks in the top 10 most expensive states for closing.

On a $200,000 loan, closing costs average $2,648 in Florida, which is above the national average of $2,539.

Holden Lewis with Bankrate.com says new regulations are to blame.

"The regulation really forces lenders to do a whole lot more work to make sure they know exactly where your money came from and whether you can afford that mortgage," says Lewis.

He says the additional staff time translates into higher costs, But many lenders still haven't added fees -- so make sure to get at least three lender estimates to get the best deal.

Alaska remains the most expensive state while Nevada is the cheapest for closing.

To read more on the new study on closing costs state-by-state, click here.