{"version":"1.0","type":"card","id":"172dc054-e012-425d-8edc-075ed66ee8ed","url":"https://stacklist.com/card/172dc054-e012-425d-8edc-075ed66ee8ed","title":"Understanding Closing Costs in Florida","source_url":"https://www.consumerfinance.gov/ask-cfpb/what-fees-or-charges-are-paid-when-closing-on-a-mortgage-and-who-pays-them-en-1845/","note":"Florida buyers typically pay 2–5% of the purchase price in closing costs, covering the title search, recording fees, and prepaid property taxes. Sellers, not buyers, customarily pay for the owner's title insurance policy in most of the state.","image":{"url":"https://ucarecdn.com/8d1b0116-36ad-4329-abe7-5240f73274df/","alt":"Understanding Closing Costs in Florida","width":678,"height":452},"stack":{"id":"cf8e5c4f-4c17-4486-8559-c71f36c4bb79","title":"First-Time Homebuyer Guide for Jacksonville, Florida","url":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79"},"created_at":"2026-07-24T03:42:21.638Z","updated_at":null,"aco":{"summary":"Closing costs in Florida are explained, covering the various fees and charges associated with finalizing a mortgage, including appraisal fees, title insurance, government taxes, and prepaid expenses. The guide clarifies how buyers typically bear these costs, though sellers or lenders may offer credits that are ultimately offset by higher home prices or interest rates.","tags":["closing-costs","mortgage","florida","home-buying","title-insurance","appraisal-fees","real-estate"],"key_entities":[{"name":"Closing Costs","type":"concept","confidence":0.98},{"name":"Mortgage","type":"concept","confidence":0.95},{"name":"Florida","type":"location","confidence":0.85},{"name":"Title Insurance","type":"concept","confidence":0.85},{"name":"Appraisal Fees","type":"concept","confidence":0.85},{"name":"Your Home Loan Toolkit","type":"concept","confidence":0.8},{"name":"Seller Credit","type":"concept","confidence":0.75}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-23T06:12:59.718Z"},"token_counts":{"approximate":445,"cl100k":366},"content_hash":"sha256:57346b38fcacec66559d69c215faf79ea2f4f9cb3aa21510adb5a1cd0f9c1a63","acp_version":"0.2","body_available":true,"body_tokens":445,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/172dc054-e012-425d-8edc-075ed66ee8ed.json","html":"https://stacklist.com/card/172dc054-e012-425d-8edc-075ed66ee8ed","md":"/api/public/card/172dc054-e012-425d-8edc-075ed66ee8ed.md","stack_json":"/api/public/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79.json"}}