Title Insurance Calculator

Estimate title insurance premiums for owner's and lender's policies from purchase price and loan amount.

Purchase price ($)

Loan amount ($)

Owner's policy (0/1)

Lender's policy (0/1)

Title search fee ($)

Settlement / closing fee ($)

Tab to move between fields

Total title premiums ($)

$2,531.00

≈ 19 pairs of sneakers

Owner's policy premium ($)$1,700.00

Lender's policy premium ($)$831.00

Title search fee ($)$300.00

Total title closing costs ($)$3,281.00

% of purchase price0.94%

How to Use This Calculator

Enter the property purchase price or appraised value.
Select the policy type: owner's policy, lender's policy, or both.
Input the state, as title insurance rates are state-regulated and vary significantly.
Review the Owner's Policy Premium, Lender's Policy Premium, and Total Title Cost.
Note the one-time nature of the premium since title insurance covers the life of ownership.

What each input means

Purchase price ($): Property purchase price — determines the owner's policy premium.
Loan amount ($): Mortgage loan amount — determines the lender's policy premium.
Owner's policy (0/1): 1 to include owner's title insurance (protects the buyer).
Lender's policy (0/1): 1 to include lender's title insurance (required by most mortgages).
Title search fee ($): Fee for the title company to research the property's ownership history.
Settlement / closing fee ($): Title company's settlement or closing agent fee.

Owner's policy premium ($): One-time premium for the buyer's title insurance policy.
Lender's policy premium ($): One-time premium for the lender's policy (includes simultaneous issue discount if applicable).
Total title premiums ($): Combined owner's + lender's title insurance premiums.
Title search fee ($): Cost for title research and examination.
Total title closing costs ($): All title-related costs: premiums + search + settlement fees.
% of purchase price: Total title costs as a percentage of the property purchase price.

Identify Input Parameters
4 parameters
Purchase price ($) = 350000, Loan amount ($) = 280000, Owner's policy (0/1) = 1, Lender's policy (0/1) = 1 = 6 input(s) provided
Calculate Total title premiums
Total title premiums = ownersPremium + lendersPremium
2531 = $2,531
Calculate Owner's policy premium
1700 = $1,700
Calculate Lender's policy premium
Lender's policy premium
831 = $831