{"version":"1.0","type":"card","id":"903b8902-0b34-40de-9a89-1b06edf1bb74","url":"https://stacklist.com/card/903b8902-0b34-40de-9a89-1b06edf1bb74","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":"The CFPB's breakdown of who typically pays which closing costs in a Florida transaction. Sellers, not buyers, customarily pay for the owner's title insurance policy in most of the state; a detail worth knowing before negotiating.\n","image":{"url":"https://ucarecdn.com/e3396992-e1b0-4b06-b3e4-83a373470098/","alt":"Understanding Closing Costs in Florida","width":1500,"height":1000},"stack":{"id":"f62d6a2e-ec21-460f-9719-6232c65ae715","title":"Selling Your Home in Jacksonville, Florida: A Seller's Guide","url":"https://stacklist.com/c/home/stack/f62d6a2e-ec21-460f-9719-6232c65ae715"},"created_at":"2026-07-23T06:12:49.519Z","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/903b8902-0b34-40de-9a89-1b06edf1bb74.json","html":"https://stacklist.com/card/903b8902-0b34-40de-9a89-1b06edf1bb74","md":"/api/public/card/903b8902-0b34-40de-9a89-1b06edf1bb74.md","stack_json":"/api/public/stack/f62d6a2e-ec21-460f-9719-6232c65ae715.json"}}