buying from a private seller

You need to have your financing in place at YOUR bank and they will make the arrangements with the seller's bank to exchange money for title. You will not need a title to register the RV or get insurance for it. If your bank has a branch in Florida, doing the paperwork there would be best. I'd ask the seller to provide a bill of sale either drawn up by his attorney or at least generated by one of the computer lawyer programs. With the bill of sale, bank paperwork, and insurance binder you can walk into any Florida DMV and walk out with your temporary vehicle movement tag. Florida will just want to know you own it and have it insured. Keep in mind that private sales are as-is and once the deal is done the coach is your. If you are not qualified enough to make a thorough exam of the coach, consider buying the services of a RV shop to do it. You should also contact your insurer and provide them with the VIN/make/model and have them add it to your policy with a start date furnished by the bank. Good luck and have fun. You can certainly save a boatload of money buying from an individual but you have to accept the possible issues that come with it. Generally the money saved will most often be much more than you might need to put out. Before driving it home it would also be best to have it thoroughly serviced (oil change, fluid checks, chassis lube, front wheel bearings, belts and hoses) so you do not get surprised on the road. You can't really be sure the previous owner was diligent about those things and once it's yours, you need to take the responsibility.