Jacksonville closing cost calculator

Buyer-side closing costs for homes in Jacksonville and Duval County, Florida.

Buying in Jacksonville means paying Florida's standard mortgage taxes (doc stamps on the note + 0.2% intangible tax) plus Duval County recording fees. The seller customarily covers doc stamps on the deed and the owner's title policy.

Use the numbers below as a planning estimate. Your final closing disclosure will reflect the exact lender fees, title company fees, and prepaid escrow your specific loan requires.

Worked examples

Real numbers for common scenarios. These are estimates - your final closing disclosure will reflect the exact fees your specific loan and property require.

Scenario

Buying a $285,000 home in Jacksonville (Riverside), Duval County

Inputs

Sale price: $285,000
Down payment: 5% ($14,250)
Loan amount: $270,750

Estimate

Doc stamps on the note: $948
Intangible tax (0.2%): $542
Recording fees: $95
Owner's title insurance: $1,639
Lender fees (origination, underwriting, appraisal): $1,850
Initial escrow deposit: $1,425
Estimated buyer closing costs: $6,499

Excludes prepaid interest and your down payment. Seller pays doc stamps on the deed in most Florida counties.

Scenario

Buying a $395,000 home in Jacksonville (San Marco), Duval County

Inputs

Sale price: $395,000
Down payment: 20% ($79,000)
Loan amount: $316,000

Estimate

Doc stamps on the note: $1,106
Intangible tax (0.2%): $632
Recording fees: $95
Owner's title insurance: $2,271
Lender fees (origination, underwriting, appraisal): $1,850
Initial escrow deposit: $1,975
Estimated buyer closing costs: $7,929

Excludes prepaid interest and your down payment. Seller pays doc stamps on the deed in most Florida counties.

Scenario

Buying a $525,000 home in Jacksonville Beach, Duval County

Inputs

Sale price: $525,000
Down payment: 20% ($105,000)
Loan amount: $420,000

Estimate

Doc stamps on the note: $1,470
Intangible tax (0.2%): $840
Recording fees: $95
Owner's title insurance: $3,019
Lender fees (origination, underwriting, appraisal): $1,850
Initial escrow deposit: $2,625
Estimated buyer closing costs: $9,899

Excludes prepaid interest and your down payment. Seller pays doc stamps on the deed in most Florida counties.

Run your own numbers

The calculator gives you the same itemized breakdown for any price, down payment, loan type, and location.

Open the calculator

Frequently asked questions

How much are closing costs in Jacksonville, FL?+

Buyers in Jacksonville typically pay 2.5% to 4% of the sale price in closing costs. On a $350,000 home that's roughly $8,750 to $14,000. The biggest items are lender fees ($1,500-$2,500), the lender's title policy, Florida intangible tax (0.2% of the loan), and your initial escrow deposit for Duval County property taxes.

What does the seller pay at closing in Jacksonville?+

In Duval County the seller customarily pays the doc stamps on the deed ($0.70 per $100 of sale price), the owner's title insurance policy, and the real estate agent commissions for both sides. On a $400,000 sale, doc stamps on the deed alone are $2,800.

Are closing costs tax deductible?+

Most are not. Mortgage interest, property taxes, and discount points are deductible if you itemize. Origination fees, title insurance, recording fees, and most other closing costs are not. Talk to a CPA about your specific situation - this is not tax advice.

Can I roll closing costs into my mortgage in Florida?+

On a refinance, yes. On a purchase, you generally cannot - but you can ask the seller for a credit toward closing costs (capped at 3-9% of the price depending on loan type and down payment) or take a slightly higher rate in exchange for a lender credit.

What is the intangible tax in Florida?+

Florida charges a one-time 0.2% intangible tax on every new mortgage - that's $2.00 for every $1,000 borrowed. On a $320,000 loan it's $640. The buyer pays it at closing. It's separate from the doc stamps on the note.

Related calculators

Florida closing cost calculator

Itemized buyer-side closing costs for any Florida home - doc stamps, intangible tax, title insurance, lender fees, and escrow.

Duval County closing cost calculator

What you'll pay at the closing table on a Duval County, FL home.

First-time homebuyer cost calculator

Every dollar a first-time buyer needs - not just the down payment.

All numbers shown are estimates for planning purposes. Closing costs, taxes, and fees vary by lender, title company, county, and individual transaction. LoanElk is not a lender, broker, or financial advisor. Your final Loan Estimate and Closing Disclosure are the authoritative figures.