Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Estimated title & closing cost
$3,140
Owner's policy premium
$1,890
Lender's policy premium
$150
Settlement, recording, endorsements
$1,100
Share of purchase price
0.75%
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How to use this
- 1Enter purchase price ($).
- 2Enter loan amount ($).
- 3Enter title rate per $1,000 ($).
- 4Enter simultaneous-issue lender fee ($).
- 5Enter settlement / closing fee ($).
- 6Enter recording fees ($).
- 7Enter endorsements ($).
- 8Enter transaction type.
- 9Enter reissue discount (recent prior policy) (%).
- 10Read your estimated title & closing cost on the right — it updates as you type.
- 11Hit Share to keep the scenario or send it to someone.
About this calculator
Title insurance is a one-time premium that protects against defects in the chain of ownership — forged deeds, undisclosed heirs, recording errors, unpaid liens — that a title search did not catch. Two policies exist: a lender's policy the mortgage requires, written for the loan amount and shrinking as you pay down, and an owner's policy written for the purchase price that protects your equity for as long as you own the property. This calculator estimates both using a rate per thousand that you can set to your state's filed schedule, applies the simultaneous-issue discount that makes the second policy far cheaper when both are bought at closing, adds the settlement and recording fees that appear on the same line of the closing disclosure, and shows the refinance reissue discount many states require when the prior policy is recent. Rates are regulated and vary widely by state; some states publish fixed rates while others allow negotiation, so use the output to sanity-check a quote rather than as a filed rate.
Worked example
Using the values the calculator loads with:
Inputs
- Purchase price: 420000 $
- Loan amount: 336000 $
- Title rate per $1,000: 4.5 $
- Simultaneous-issue lender fee: 150 $
- Settlement / closing fee: 750 $
- Recording fees: 200 $
- Endorsements: 150 $
- Transaction type: Purchase — owner's + lender's
- Reissue discount (recent prior policy): 0 %
Results
- Estimated title & closing cost: $3,140
- Owner's policy premium: $1,890
- Lender's policy premium: $150
- Settlement, recording, endorsements: $1,100
- Share of purchase price: 0.75%
What each field means
Inputs
- Purchase price ($)
- The purchase price used in the calculation, measured in $. Starts at 420000 $ so you have a working example on load. Accepted range: 20000–20000000 $.
- Loan amount ($)
- The loan amount used in the calculation, measured in $. Starts at 336000 $ so you have a working example on load. Accepted range: 0–20000000 $.
- Title rate per $1,000 ($)
- The title rate per $1,000 used in the calculation, measured in $. Starts at 4.5 $ so you have a working example on load. Accepted range: 1–15 $.
- Simultaneous-issue lender fee ($)
- The simultaneous-issue lender fee used in the calculation, measured in $. Starts at 150 $ so you have a working example on load. Accepted range: 0–2000 $.
- Settlement / closing fee ($)
- The settlement / closing fee used in the calculation, measured in $. Starts at 750 $ so you have a working example on load. Accepted range: 0–5000 $.
- Recording fees ($)
- The recording fees used in the calculation, measured in $. Starts at 200 $ so you have a working example on load. Accepted range: 0–3000 $.
- Endorsements ($)
- The endorsements used in the calculation, measured in $. Starts at 150 $ so you have a working example on load. Accepted range: 0–3000 $.
- Transaction type
- Pick the option that matches your situation — the maths changes per option. Choices: Purchase — owner's + lender's, Refinance — lender's only.
- Reissue discount (recent prior policy) (%)
- The reissue discount (recent prior policy) used in the calculation, measured in %. Starts at 0 % so you have a working example on load. Accepted range: 0–60 %.
Results
- Estimated title & closing cost
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Owner's policy premium
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Lender's policy premium
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Settlement, recording, endorsements
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Share of purchase price
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
Is an owner's policy optional?
Legally yes in most states, practically no. The lender's policy protects the lender's lien only; without an owner's policy a title defect can wipe out your equity while the loan survives. It is a one-time premium for as long as you own the home.
Who pays for title insurance?
It varies by state and even by county custom, and it is negotiable in the purchase contract. In some markets the seller customarily buys the owner's policy; in others the buyer does.
What is a reissue rate?
A discount when the property was insured recently — often within ten years — because the prior search covers most of the chain. Many states mandate it, but you usually have to ask and provide the old policy.
Can I shop for title insurance?
Yes. Federal rules let you choose the settlement provider in most cases, and while premiums are filed in some states, settlement and closing fees are competitive nearly everywhere.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Title Insurance Cost Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/title-insurance-cost-calculator
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/title-insurance-cost-calculator" target="_blank" rel="noopener">Title Insurance Cost Calculator — RevenueLab</a> (2026).</p>
Source: [Title Insurance Cost Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/title-insurance-cost-calculator) (2026).