Title Insurance Calculator
Title insurance calculator works out Buyer closing costs and Buyer cash to close from Sale price and Title insurance premium rate. The default figures on this page give buyer cash to close of 2,000.00; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
6 steps
- Loan amount = 400000 - 0 down = 400000
- Origination = points on the loan + flat lender fees = 0
- Title insurance = 0.5% x 400000 = 2000
- Prepaids = 0 interest + 0 tax escrow + 0 insurance = 0
- Buyer closing costs = 2000; cash to close = 0 + 2000 - 0 credit = 2000
- Seller closing costs = 22800; net proceeds = 400000 - 22800 - 0 payoff = 377200
Itemised chargestable
| label | amount | paidBy |
|---|---|---|
| Title insurance premium | 2,000 | buyer |
Its 4 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
3 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the title insurance calculator calculates
Itemises buyer and seller closing costs on a property sale - origination points, lender and title charges, recording and transfer taxes, prepaid escrows, brokerage commission and concessions - and reports the buyer cash to close and the seller net proceeds.
How to use this title insurance calculator
Enter Sale price and Title insurance premium rate. Buyer closing costs updates as you type. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Buyer closing costs, Buyer cash to close and Seller closing costs.
The method follows 12 CFR 1026.37 (Regulation Z) - Content of the Loan Estimate, 12 CFR 1026.38 (Regulation Z) - Content of the Closing Disclosure and CFPB - Understanding the Loan Estimate and closing costs.
What you can compare
Change one input at a time to see how it affects Buyer closing costs, Buyer cash to close and Seller closing costs. The inputs you can vary are Sale price and Title insurance premium rate.
Understanding Buyer closing costs, Buyer cash to close and Seller closing costs
An estimate built entirely from the rates you enter. Title premiums, transfer and stamp duties, recording fees and commission practice vary by state, county and contract; only the lender Loan Estimate and the settlement agent's Closing Disclosure are authoritative.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How is owner's title insurance calculated?
Itemises buyer and seller closing costs on a property sale - origination points, lender and title charges, recording and transfer taxes, prepaid escrows. Open “How this is worked out” beside the result to see each step for your own figures.
How much is title insurance on a 300k house?
On the figures this page opens with — sale price 400,000 and title insurance premium rate 0.5% — the buyer cash to close is 2,000. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
How much will title insurance cost in Pennsylvania in 2026?
It needs Sale price and Title insurance premium rate. Nothing else is required, and the figures stay in your browser.
How do I calculate title insurance fees in Michigan?
The result gives Buyer closing costs, Buyer cash to close, Seller closing costs, Seller net proceeds, Loan amount and Down payment, each labelled with its unit so the figure can be read on its own.
What information do I need for the title insurance calculator?
You need Sale price and Title insurance premium rate. The page opens with default figures that give buyer cash to close of 2,000.00, so you can see the scale before entering your own.
What does this title insurance calculator show?
It shows Buyer closing costs, Buyer cash to close, Seller closing costs, Seller net proceeds, Loan amount, Down payment, Origination charges and Title insurance premium, with the working and any warnings for your entries.