Calculator Inputs
Example Data Table
| Scenario | Price | Loan | Policy | Discount | Common Use |
|---|---|---|---|---|---|
| Starter Home | $250,000 | $200,000 | Owner + Lender | 0% | New purchase estimate |
| Refinance | $425,000 | $340,000 | Lender Only | 25% | Loan policy estimate |
| Luxury Purchase | $1,250,000 | $900,000 | Owner + Lender | 10% | High-value closing review |
Formula Used
The calculator uses a tiered title premium model. Each property value band has its own rate per $1,000.
Tier Premium = Sum((Amount Inside Band / 1000) × Band Rate)
Base Premium = Owner Premium + Simultaneous Issue Fee when both policies are selected.
Discounted Premium = Base Premium - (Base Premium × Reissue Discount %)
Final Premium = Discounted Premium + Local Adjustment
Total Estimate = Final Premium + Service Fees + Transfer Tax - Credits
Buyer Due = Total Estimate × Buyer Share %
Actual Stewart Title rates may vary by state, county, endorsement, transaction type, and filed rate schedule.
How to Use This Calculator
- Enter the purchase price and loan amount.
- Select purchase, refinance, owner policy, lender policy, or both.
- Update the rate tiers using your local rate sheet.
- Add settlement, escrow, search, recording, and endorsement fees.
- Enter any reissue discount, local adjustment, tax, or credit.
- Press the calculate button to view the result above the form.
- Use the CSV or PDF buttons to save the estimate.
Advanced Title Rate Planning
Why Title Rate Estimates Matter
A title rate estimate helps buyers, lenders, agents, and settlement teams review closing costs before documents are prepared. Title premiums can change with property value, loan size, policy type, and local filing rules. A small change in the insured amount may move part of the price into another rate tier. That is why a tiered calculator gives better insight than a flat estimate.
Using Tiered Premiums
This calculator separates the insured amount into four bands. Each band has a rate per one thousand dollars. Lower bands often carry higher rates. Higher bands may use lower marginal rates. The tool adds each band amount together. It then checks the minimum premium. This method gives a practical model for many title pricing schedules.
Owner and Lender Policies
An owner policy usually protects the buyer. A lender policy usually protects the mortgage lender. In many purchase closings, both policies are issued together. The lender policy may then use a simultaneous issue charge. This calculator lets you enter that amount directly. For refinances, many users select lender only and add a reissue discount.
Fees, Taxes, and Credits
Closing costs are not limited to the premium. Settlement fees, escrow fees, search fees, recording fees, and wire fees can affect the final estimate. Transfer tax can also matter in some locations. Seller credits or promotional credits can reduce the final amount. The buyer share option helps split costs when the contract assigns only part of the total to the buyer.
Best Practice
Use this page as a planning tool. Always replace sample rates with current local figures. Review the final quote with a licensed title professional. Keep saved CSV or PDF files with the transaction worksheet. Clear records make closing discussions easier and faster.
FAQs
1. Is this an official Stewart Title quote?
No. It is an estimate tool. Use current local rate sheets and confirm figures with a licensed title or closing professional.
2. What amount should I enter as the purchase price?
Enter the contract sales price. For owner policy estimates, this amount usually represents the owner insured value.
3. What amount should I enter as the loan amount?
Enter the mortgage amount. For lender policy estimates, this amount usually represents the lender insured value.
4. What is a simultaneous issue fee?
It is a reduced lender policy charge used when owner and lender policies are issued together in the same closing.
5. How does the reissue discount work?
The calculator subtracts the entered discount percentage from the base title premium before local adjustments and fees are added.
6. Can I use this for refinance estimates?
Yes. Select refinance and lender only when estimating a common refinance loan policy. Add any available reissue discount.
7. Why are there four rate tiers?
Four tiers allow advanced pricing. You can model lower value bands, middle bands, high-value bands, and amounts above one million.
8. What should I do before using the result?
Check every tier, fee, tax, and discount against your local closing instructions, contract, lender estimate, and title rate schedule.