Finance category
Mortgage, loan, investing, tax, and money calculators.
Recordation Tax Calculator
Recordation tax is charged at filing of the deed and/or mortgage. Some states tax the purchase price, some tax the loan amount. Rates run 0.1%-2%. This calculator separates deed and mortgage recordation components. Refinance transactions sometimes qualify for reduced recordation rate. In Maryland, for example, purchase vs refi have different rates. Transfers to revocable living trusts may be exempt in certain jurisdictions. Always work with your title company on correct calculation — they're responsible for collection and file the form for you. Any error at recording can cloud title and delay closing if recording is bounced back.
Total recordation tax
$2,975
Deed recordation
$2,125
Mortgage recordation
$850
How the math works
$425K × 0.5% deed = $2,125. $340K × 0.25% mortgage = $850. Total $2,975.
Low-cost state: skip this or under $500. High-cost (NY, DC area): $3K-$8K. Check your state's rate before closing; it's often bundled into 'county recording fees' on the closing disclosure.
How to Use
- Enter sale price, loan amount, and deed + mortgage recordation rates.
- See combined total.
Frequently Asked Questions
Recordation vs transfer tax?
Both are one-time fees at recording. Some states (MD, VA, DC) have both; others only one. Same economic effect — fee to the recording jurisdiction.
Who pays?
State-specific custom. Maryland: buyer & seller split 50/50. Virginia: buyer pays deed, seller pays grantor tax. Most others: buyer at closing.
Waivers or exemptions?
Some jurisdictions waive or reduce for first-time buyers, primary residences under $ thresholds, or specific transfer types (deed in lieu, transfer between spouses). Check local statute.
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