{
 "as_of": "2026-11-11",
 "note": "Rates and rules used by the calculators on this site. Florida statewide rules plus Orange County / City of Apopka figures. Sources are listed on each tool page.",
 "rates": {
  "pmms30": 7.18,
  "pmms15": 6.57,
  "fha30": 7.02,
  "pmms_date": "2026-11-05"
 },
 "doc_stamp_deed_per_100": 0.7,
 "doc_stamp_note_per_100": 0.35,
 "intangible_tax": 0.002,
 "title": {
  "tiers": [
   [
    100000,
    5.75
   ],
   [
    1000000,
    5.0
   ],
   [
    5000000,
    2.5
   ],
   [
    10000000,
    2.25
   ],
   [
    1000000000000.0,
    2.0
   ]
  ],
  "reissue": [
   [
    100000,
    3.3
   ],
   [
    1000000,
    3.0
   ],
   [
    10000000,
    2.0
   ],
   [
    1000000000000.0,
    1.5
   ]
  ],
  "simultaneous_lender": 25,
  "minimum": 100
 },
 "recording": {
  "first_page": 10.0,
  "additional_page": 8.5
 },
 "fees": {
  "settlement": [
   350,
   600
  ],
  "title_search": [
   300,
   500
  ],
  "lien_search": [
   150,
   300
  ],
  "estoppel_max": 299,
  "four_point": [
   75,
   175
  ],
  "wind_mit": [
   75,
   175
  ]
 },
 "millage": {
  "2026": {
   "apopka": {
    "school": 6.343,
    "county": 4.4347,
    "city": 4.6761,
    "library": 0.3748,
    "sjrwmd": 0.1793,
    "total": 16.0079
   },
   "unincorporated": {
    "school": 6.343,
    "county": 4.4347,
    "city": 4.648,
    "library": 0.3748,
    "sjrwmd": 0.1793,
    "total": 15.9798
   }
  },
  "2025": {
   "apopka": {
    "total": 15.8754
   },
   "unincorporated": {
    "total": 16.0858
   }
  }
 },
 "homestead": {
  "2026": {
   "first": 25000,
   "second_max": 26411
  },
  "2027": {
   "school": 25000,
   "nonschool": 150000,
   "new_resident_nonschool": 50000
  },
  "2028": {
   "school": 25000,
   "nonschool": 250000,
   "new_resident_nonschool": 50000
  },
  "soh_cap": {
   "2025": 0.029,
   "2026": 0.027,
   "max": 0.03
  },
  "non_homestead_cap": {
   "2026": 0.1,
   "2027": 0.05
  },
  "portability_max": 500000,
  "discounts": {
   "November": 0.04,
   "December": 0.03,
   "January": 0.02,
   "February": 0.01,
   "March": 0
  },
  "amendment3": "Approved by voters Nov 3, 2026 (about 62% yes; unofficial until certified). Implementing legislation is pending, so 2027 and later figures are estimates."
 },
 "loan_limits_2026": {
  "conforming": 832750,
  "fha": 541287
 },
 "fha": {
  "upfront": 0.0175,
  "annual_gt95": 0.0055,
  "annual_le95": 0.005,
  "min_down": 0.035
 },
 "va": {
  "first_lt5": 0.0215,
  "subsequent_lt5": 0.033,
  "down5": 0.015,
  "down10": 0.0125
 },
 "usda": {
  "upfront": 0.01,
  "annual": 0.0035
 },
 "pmi_range": [
  0.0046,
  0.015
 ],
 "insurance": {
  "orange_avg_with_wind": 3610,
  "orange_avg_no_wind": 2565,
  "flood_zone_x": [
   500,
   800
  ]
 },
 "dpa": {
  "hometown_heroes": {
   "pct": 0.05,
   "min": 10000,
   "max": 35000,
   "income_limit_orange": 172350
  },
  "florida_assist": 10000,
  "orange_county": {
   "very_low": 70000,
   "low": 40000,
   "moderate": 10000
  },
  "orange_limits": {
   "1": [
    40250,
    64350,
    96600
   ],
   "2": [
    46000,
    73550,
    110400
   ],
   "3": [
    51750,
    82750,
    124200
   ],
   "4": [
    57450,
    91900,
    137880
   ],
   "5": [
    62050,
    99300,
    148920
   ],
   "6": [
    66650,
    106650,
    159960
   ],
   "7": [
    71250,
    114000,
    171000
   ],
   "8": [
    75850,
    121350,
    182040
   ]
  }
 },
 "seller": {
  "closing_ex_commission": [
   0.015,
   0.03
  ],
  "exclusion_single": 250000,
  "exclusion_joint": 500000,
  "firpta": 0.15
 },
 "rent": {
  "apopka_2br": [
   1700,
   1870
  ],
  "apopka_3br": [
   2150,
   2380
  ]
 },
 "appreciation_orlando_msa": {
  "one_year": 0.0083,
  "three_year": 0.0302,
  "five_year": 0.0778,
  "ten_year": 0.0823,
  "through": "2026 Q2",
  "source": "FHFA All-Transactions HPI"
 },
 "maintenance": [
  0.01,
  0.04
 ],
 "contract": {
  "inspection_days": 15,
  "loan_approval_days": 30,
  "deposit": [
   0.01,
   0.03
  ],
  "typical_close_days": [
   30,
   45
  ]
 },
 "str_tax": 0.125
}