Calculator Inputs
Example Data Table
| Scenario | Sale Price | Loan Amount | Owner Rate | Lender Rate | Expected Use |
|---|---|---|---|---|---|
| Standard Purchase | $450,000 | $360,000 | $5.75 | $2.10 | Buyer and lender estimate |
| Cash Purchase | $325,000 | $0 | $5.50 | $0.00 | Owner policy only |
| Refinance | $500,000 | $410,000 | $0.00 | $2.00 | Lender policy review |
Formula Used
Owner Policy Fee = max((Sale Price × Reissue Factor ÷ 1,000) × Owner Rate, Owner Minimum).
Lender Policy Fee = max((Loan Amount ÷ 1,000) × Lender Rate, Lender Minimum).
Escrow Fee = Escrow Flat Fee + (Sale Price × Escrow Percent).
Transfer Tax = ceiling(Sale Price ÷ 500) × Transfer Tax Per 500.
Net Estimate = Gross Estimate − Manual Discount − Seller Credit − Lender Credit.
Buyer Share = Net Estimate × Buyer Share Percent.
How To Use This Calculator
Enter the sale price and loan amount first. Choose the transaction type. Add the owner and lender rate assumptions from your local title worksheet. Then enter escrow, closing, recording, transfer, endorsement, and service fees. Press the calculate button. The result appears above the form. Use the CSV or PDF buttons for records.
Title Rate Planning Guide
A title rate estimate helps buyers, sellers, and refinance clients plan closing money before the settlement statement arrives. The tool above uses adjustable assumptions, so it can mirror many local fee sheets. It is not an official quote. It is a planning worksheet for quick comparisons.
Why Rate Inputs Matter
Title insurance prices can change by state, county, transaction type, and policy size. A purchase may include an owner policy and a lender policy. A refinance often includes only a lender policy. Some areas also use reissue credits, simultaneous issue discounts, transfer taxes, recording fees, escrow fees, and required endorsements. Because those items differ, this calculator lets you set each major charge.
Better Closing Estimates
The strongest estimates start with current local numbers. Enter the sale price, loan amount, rate per thousand, minimum policy fees, and any escrow or settlement charge. Add endorsements, wire fees, courier fees, notary fees, tax certificate costs, and other service items. Then add credits or discounts when they apply.
Buyer And Seller View
Many closings split costs between parties. The buyer share field gives a simple allocation model. A buyer share of 100 percent places the total on the buyer. A value of 50 percent splits the total evenly. This helps agents prepare multiple negotiation examples without rebuilding the worksheet.
Use For Scenarios
Try one run with the standard owner policy. Try another run with a lender policy only. Compare a cash purchase, a financed purchase, and a refinance. Change endorsement counts and transfer tax assumptions. The result area shows policy subtotals, settlement charges, credits, and the final estimate.
Important Reminder
Always confirm numbers with the title office, escrow officer, lender, and local filing office. Official quotes may include state specific rules, filed rates, negotiated settlement services, special endorsements, or taxes not listed here. Use the downloads for notes, records, and early planning.
Audit Trail
Exported files can support a clean review process. The CSV file is useful for spreadsheets. The PDF file is useful for sharing. Save the assumptions beside any lender worksheet. This makes later changes easier to explain when the contract price, loan size, or fee table is updated before closing day for all parties and closing advisors.
FAQs
Is this an official Fidelity National Title quote?
No. This is an estimate tool. Confirm official rates, taxes, endorsements, and settlement charges with the local title office or closing team.
Why are the rates editable?
Title rates can vary by state, county, policy size, and transaction type. Editable fields let the calculator match your local worksheet.
What is a simultaneous issue discount?
It is a discount sometimes applied when owner and lender policies are issued together during the same purchase closing.
What is a reissue discount?
A reissue discount may reduce the owner policy basis when a qualifying previous policy exists. Rules vary by location.
Can this calculator handle refinance cases?
Yes. Select refinance, uncheck the owner policy if needed, and enter the loan amount with the lender policy rate.
How is transfer tax estimated?
The calculator divides the sale price by 500, rounds up, and multiplies the result by the transfer tax rate entered.
Why does my final quote differ?
Final quotes may include local filing rules, special endorsements, negotiated fees, lender requirements, or updated rate tables.
Can I export the estimate?
Yes. Use the CSV button for spreadsheet records. Use the PDF button for a simple printable summary.