Statutory Cost Analysis

Florida Closing Cost & Doc Stamp Calculator

Calculate exact deed doc stamps, promissory note taxes, intangible mortgage taxes, and title insurance rates across Jacksonville, Duval, St. Johns, and Clay counties.

Purchase / Sale Price$375,000

Down Payment (%)20% ($75,000)

Mortgage Amount: $300,000

County Location

In Duval County, the seller traditionally pays for owner title insurance.

Brokerage Representation Fee (%)5.0%

*Broker fees are 100% negotiable between client and broker.

Estimated Seller Closing Costs

$23,790

Includes deed doc stamps, title insurance, settlement, and negotiated brokerage fees.

Keith Jones Sr Client Tools 30+ years of experienced Florida real estate guidance.

Mortgage Calc Seller Net Sheet Property Tax Calc Contact Keith

Florida Closing Costs & Documentary Stamp Taxes Explained

Deed Documentary Stamp Tax (Fla. Stat. § 201.02)

In Duval, Clay, and St. Johns counties, Florida collects $0.70 per $100 of the purchase price for recording the deed. On a $375,000 home, the seller pays $2,625.

Financing Taxes (Promissory Note Stamps & Intangible Tax)

Mortgage buyers in Florida pay $0.35 per $100 on the promissory note (Fla. Stat. § 201.08) plus 2 mills ($0.002 per dollar) as an intangible tax on the mortgage balance (Fla. Stat. § 199.133). Cash purchasers avoid both taxes completely.

Florida Promulgated Title Insurance (FAC 69O-186.003)

Title insurance rates in Florida are set by state statute: $5.75 per $1,000 up to $100k, then $5.00 per $1,000 up to $1M. In Duval and Clay, sellers traditionally pay; in St. Johns, buyers typically pay.