Title Insurance & Closing Cost Calculator

01 Transaction

Purchase price and financing. These drive the title policy coverage, transfer tax and down payment.

Purchase price required

Loan amount 0 = all-cash

Down payment$0.00

Loan to value0%

02 Title Insurance

Owner's and lender's policies protect against title defects. Premiums use the tiered per-$1,000 schedule below — adjust the rates to match your state or county.

Owner's coverage auto

Lender's coverage auto

Lender policy factor % of schedule

Minimum premium floor

Premium schedule · $ per $1,000 of coverage

First $100,000applies from $0/1K

Next $400,000$100K → $500K/1K

Next $1,000,000$500K → $1.5M/1K

Above $1,500,000excess coverage/1K

Title search & exam

Endorsements

03 Settlement / Escrow Services

Fees charged by the escrow or settlement agent who handles the closing.

Settlement / escrow fee

Attorney / closing fee

Recording — deed

Recording — mortgage only if financed

Notary & wire fees

Courier / other

04 Lender Fees

Applicable only when financing the purchase. Skipped for all-cash deals.

Origination points % of loan

Appraisal

Credit report

Processing & underwriting

Flood certification

05 Transfer Tax

Levied by state and sometimes county/local jurisdictions when the deed is recorded. Enter $ per $1,000 of sale price — set to 0 where none applies.

State rate per $1,000

County / local rate per $1,000

Fixed transfer fee one-time

06 Prorations & Adjustments

At closing, property taxes and HOA dues are re-split between buyer and seller on a per-diem basis. Taxes use an arrears model (seller credits the buyer); HOA uses an advance model (buyer reimburses the seller).

Annual property tax

Monthly HOA dues 0 = none

Tax year starts

Closing date

Tax per diem$0.00

HOA per diem$0.00