[suebanj]

I used to manage a branch of a Title company and the fees paid by whom can be confusing if you're coming from the North. On pre-owned the seller usually pays for the title policy but if you buy a new home from The villages, you'd be responsible for the title policy. I've seen the same thing throughout Florida. If you're buying from a builder, you're usually responsible for this cost.
If you purchase through a For Sale by Owner, anything goes since you usually negotiate everything between yourselves.

Also down here, I'd say the majority of people don't use an attorney for closing. I know that where I worked, we had an atty available if any large problems pertaining to the closing or clear title came up. In Florida, the closers (paralegals) usually do the closing.
Hope this helps a little!