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Recording a Mortgage Modification in Miami-Dade County, FL
Miami-Dade does not have a modification doc type, so how you submit is very important to getting the fees right.
Support Knowledge Summary: Recording a Mortgage Modification in Miami-Dade County, FL
Scenario
A submitter was attempting to record a Mortgage Modification in Miami-Dade County, Florida. The estimated recording fees included Documentary Stamp Tax (Doc Stamps), even though no Doc Stamps should have been due.
Cause
In Miami-Dade County, Documentary Stamp Tax is assessed only on the amount of any new money being added as part of the mortgage modification, not on the original loan amount.
In this case, the county document type was correctly mapped as Mortgage, but the system calculated the estimated fees using the original loan amount instead of the new money amount. Because the original loan amount was populated, the estimate incorrectly included Doc Stamps.
Resolution
The submitter was instructed to enter the Loan Amount as $0, since there was no new money associated with the mortgage modification.
Once the loan amount was changed to $0, the estimated fees recalculated correctly and no Documentary Stamp Tax was assessed.
Key Takeaway
For Mortgage Modifications in Miami-Dade County, the Loan Amount field should reflect only the amount of new money being added, not the original mortgage balance. If there is no new money, the Loan Amount should be entered as $0 to ensure the estimated fees are calculated correctly.