Title Insurance Calculator
Owner's and lender's title premiums, using a simplified tiered rate schedule.
Your numbers
Simplified two-tier schedule. Real rates are promulgated or filed per state and usually carry more tiers plus reissue and refinance credits.
Estimated total title premium
$2,450.00
Owner's policy plus simultaneous-issue lender's policy
- Owner's policy premium$2,200.00
- Lender's policy premium$250.00
- Simultaneous-issue saving−$1,525.00
- Owner's coverage
- $425,000
- Lender's coverage
- $340,000
- Total premium
- $2,450
- Saved on issue
- $1,525
Simultaneous issue applied. Both policies issued at the same closing, so the lender’s is charged at a flat $250 rather than a second full premium — a saving of $1,525.
Title premiums are state-regulated and underwriter-specific. This is a planning estimate, not a quote.
Frequently Asked Questions
How title premiums are built
- Owner's policy
- Covers the buyer's equity for the purchase price, for as long as they hold an interest in the property. A one-time premium.
- Lender's policy
- Covers the lender's lien position for the loan amount and falls away as the loan is repaid. Required on nearly every mortgage.
- Tiered rates
- Premiums are quoted per $1,000 of coverage, with the rate stepping down above the first $100,000 of policy amount.
- Simultaneous issue
- Issuing both policies at one closing replaces the second full premium with a small flat fee.
Related Calculators
Closing Cost Calculator
Buyer- and seller-side closing costs on a purchase.
Open CalculatorSeller Net Sheet Calculator
Estimated net proceeds after mortgage payoff, commission, transfer tax and prorations.
Open CalculatorProperty Tax Calculator
Annual property tax and monthly escrow estimate from value, state average rate and exemptions.
Open Calculator