Title Insurance Cost Calculator
Last updated: October 15, 2026
Estimate owner and lender title-insurance premiums plus endorsements, settlement and recording charges.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated title and settlement cost
—
- Estimated owner policy premium: —
- Estimated lender policy premium: —
- Endorsement and settlement charges: —
- Estimated cost as % of purchase price: —
On this page
Quick summary: Estimate owner and lender title-insurance premiums plus endorsements, settlement and recording charges.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate owner and lender title-insurance premiums plus endorsements, settlement and recording charges.
How to use it
Enter Property purchase price ($); Mortgage loan amount ($); Owner policy rate per $1,000; Lender policy rate per $1,000; Endorsements and search fees ($); Settlement, recording and administrative fees ($); Simultaneous-policy discount ($). Select Calculate to update the results.
How the calculation works
Owner and lender policy estimates are calculated from editable rates per thousand dollars of purchase price and loan amount. Other charges are added and any entered simultaneous-policy discount is subtracted.
Worked example: starting scenario
| Property purchase price ($) | 450000 |
|---|---|
| Mortgage loan amount ($) | 360000 |
| Owner policy rate per $1,000 | 3.5 |
| Lender policy rate per $1,000 | 2.25 |
| Endorsements and search fees ($) | 650 |
| Settlement, recording and administrative fees ($) | 1250 |
| Simultaneous-policy discount ($) | 500 |
| Estimated title and settlement cost | $3,785.00 |
|---|---|
| Estimated owner policy premium | $1,575.00 |
| Estimated lender policy premium | $810.00 |
| Endorsement and settlement charges | $1,900.00 |
| Estimated cost as % of purchase price | 0.84% |
Important limitations
Title rates, discounts, promulgated pricing, endorsements, recording, escrow and settlement practices vary by state, county, insurer and transaction.