Statutory Cost Analysis

Florida Closing Cost & Doc Stamp Calculator

Calculate exact deed documentary stamp taxes, promissory note stamps, intangible taxes, and promulgated title insurance rates across Baker, Duval, Clay, and Nassau counties.

Purchase / Sale Price$350,000

Down Payment (%)20% ($70,000)

Mortgage Amount: $280,000

County Location

In Baker 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

$22,295

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

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Mortgage Calc Seller Net Sheet Property Tax Calc New Construction

Florida Closing Costs & Documentary Stamp Taxes Explained

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

In Baker County and across Northeast Florida, Florida assesses $0.70 per $100 of the purchase price on deeds. For a $350,000 home, the seller pays $2,450.

Financing Taxes (Promissory Note Stamps & Intangible Tax)

Financed home purchases pay $0.35 per $100 on the promissory note (Fla. Stat. § 201.08) and 2 mills ($0.002 per dollar) as an intangible tax on the mortgage (Fla. Stat. § 199.133). Cash buyers pay $0.

Florida Promulgated Title Insurance (FAC 69O-186.003)

Title insurance rates are strictly promulgated by state law: $5.75 per $1,000 up to $100k, then $5.00 per $1,000 up to $1M. In Baker County, contract custom has the seller paying for the owner's policy.