Free Texas Title Insurance Cost Calculator 2025: How It Works, What Affects Cost

Texas title insurance premiums are regulated by the Texas Department of Insurance (TDI). That means the base premium is the same no matter which title company you choose. Your final closing charges, however, will also include non‑premium items like endorsements, recording, escrow/closing, courier, and other file‑specific fees. This guide explains exactly how to use a Texas Title Insurance Calculator, what each input means, and gives you clear, realistic examples. The calculator gives a ballpark estimate. Always request an official quote from your Texas title company for your specific file.

What this title insurance calculator texas estimates

• Owner’s policy premium (purchase)
• Loan policy premium (refinance or loan on a purchase)
• Simultaneous issue (owner + loan at purchase)
• Endorsements (user-entered total for extra coverages)
• County recording (deed and deed of trust)
• Escrow/closing, courier, and other miscellaneous fees
• Grand total estimate

What influences your title charges in Texas

• Property value: Owner’s policy premium is tied to the sales price.
• Loan amount: Loan policy premium is tied to the mortgage amount (refi or purchase loan).
• Transaction type: Purchase vs. refinance vs. purchase with simultaneous loan.
• Location: County recording fees and taxes vary by county and document length.
• Endorsements: Additional insured coverages add fixed texas title fees (regulated in Texas).
• Who pays what: In Texas, who pays which items is negotiable between buyer and seller and varies by market custom.

Texas title insurance calculator inputs (what each field means)

• Transaction type: Purchase (owner’s policy only), Simultaneous (owner + loan policy), or Refinance (loan policy only).
• Sales price and loan amount: Enter the amounts that drive the premium calculation.
• Premium method:
  • Simplified % (fast estimate): Multiplies price/loan by a percentage (e.g., 0.50%).
  • Bracketed per 1,000(moreprecise):Appliesaprogressiveper‑1,000(moreprecise):Appliesaprogressiveper‑1,000 texas title insurance rates table across tiers (replace sample tiers with the current TDI schedule for accuracy).
• Simultaneous loan premium: In Texas, when a loan policy is issued at the same time as the owner’s policy, the loan policy premium is often a flat, heavily reduced figure (commonly shown as $100 in calculators; confirm with your title company).
• Refinance credit: If a prior owner’s policy is available and within TDI’s credit window, a discount may apply (enter as a negative amount to the loan premium).
• Endorsements: Sum of endorsement charges (e.g., restrictions, minerals, PUD/condo, survey-related). Regulated by TDI.
• Recording: Estimated county fees for Deed and Deed of Trust.
• Escrow/closing, courier, other fees: Title company charges that can vary by file and office.

How the texas title premium calculator math works (two methods)

Simplified percentage (fast estimate)

• Owner premium (purchase) ≈ Sales price × owner rate (%)
• Loan premium (refi) ≈ Loan amount × loan rate (%)
• Simultaneous loan premium (purchase + loan) ≈ Flat amount (e.g., $100)

Bracketed tier method (more precise)

• Apply the TDI basic premium rate per $1,000 to each tier of coverage and sum the tiers for the base premium.

Example structure (placeholder; update with current TDI schedule):

• Up to $100,000: $5.00 per $1,000
• 100,001–100,001–1,000,000: $4.00 per $1,000
• $1,000,001+: $3.00 per $1,000

How to use the texas title premium calculator: Step-by-step

1. Choose the transaction type: Purchase, Simultaneous (owner + loan), or Refinance.
2. Enter the sales price and/or loan amount (as applicable).
3. Select your premium method:
   • Fast: Simplified percentage (default 0.50% is a common planning estimate).
   • Detailed: Bracketed per $1,000 (replace sample tiers with the latest TDI schedule).
4. Enter simultaneous loan premium (if applicable), refinance credit, endorsements total, and estimated recording/escrow/other fees.
5. Click Calculate to see a clean breakdown and total estimate.

Worked examples (planning-level)

Example 1 — Purchase with simultaneous loan (simplified % method)

Inputs

• Transaction: Simultaneous (Owner + Loan)
• Sales price: $450,000
• Loan amount: $360,000
• Owner rate: 0.50%
• Simultaneous loan premium (flat): $100
• Endorsements: $150
• Recording: Deed $150 + Deed of Trust $150 = $300
• Escrow/closing: $500; Courier: $0; Other: $0

Calculation

• Owner premium: $450,000 × 0.50% = $2,250.00
• Loan premium (simultaneous): $100.00
• Fees: Endorsements $150 + Recording $300 + Escrow/Other $500 = $950.00
• Total estimate: $2,250 + $100 + $950 = $3,300.00

Example 2 — Refinance (loan-only, simplified % method with refi credit)

Inputs

• Transaction: Refinance
• Loan amount: $360,000
• Loan rate: 0.50%
• Refinance credit: $200 (prior policy discount)
• Endorsements: $125
• Recording: Deed $0 (no deed recorded), Deed of Trust $150
• Escrow/closing: $450; Courier: $25; Other: $0

Calculation

• Base loan premium: $360,000 × 0.50% = $1,800.00
• Less refinance credit: $1,800 − $200 = $1,600.00
• Fees: Endorsements $125 + Recording $150 + Escrow/Courier $475 = $750.00
• Total estimate: $1,600 + $750 = $2,350.00

Example 3 — Purchase (bracketed per $1,000 method; sample tiers only)

Placeholder tiers (update with official TDI basic premium schedule):

• Up to $100,000: $5.00 per $1,000
• 100,001–100,001–1,000,000: $4.00 per $1,000
• $1,000,001+: $3.00 per $1,000

Inputs

• Transaction: Purchase (Owner only)
• Sales price: $450,000
• Endorsements: $200; Recording (Deed): $150; Escrow/Other: $500

Calculation

• Owner premium:
  • First $100,000: 100 × $5.00 = $500.00
  • Next $350,000: 350 × $4.00 = $1,400.00
  • Total owner premium: $1,900.00 (illustrative; real TDI schedule will differ)
• Fees: Endorsements $200 + Recording $150 + Escrow $500 = $850.00
• Total estimate: $1,900 + $850 = $2,750.00

• Reminder: Replace sample tiers with the current TDI basic premium schedule for accurate results.

What’s typically included vs. variable

• Included (regulated): Base title insurance premiums (identical across companies), endorsement fee amounts (set by TDI).
• Variable: Who pays which items (negotiated), recording fees by county and pages, escrow/closing fees, mobile notary, courier, HOA transfer/resale certificates, tax certificates, survey costs, and lender charges (outside the title premium).

Tips to improve accuracy

• Use the bracketed TDI schedule for the most precise premium (replace sample tiers).
• Ask your title company for county‑specific recording and endorsement estimates for your property type.
• If refinancing, provide a copy of your prior owner’s policy to evaluate potential credits.
• Clarify who pays which items in the contract (custom varies by Texas metro).

Common pitfalls (and how to avoid them)

• Assuming premiums vary by title company: In Texas, base premiums are regulated and the same statewide.
• Forgetting simultaneous issue: Purchases with a new loan often qualify for a flat, reduced loan policy premium.
• Excluding endorsements: Many transactions require endorsements—leave a cushion in your estimate.
• Underestimating recording: Counties charge per page and per document; complex files can cost more.
• Mixing purchase and refinance assumptions: Make sure your calculator mode matches your transaction.

FAQ/Frequently Asked Questions

A Texas Title Insurance Calculator gives you a quick, transparent way to estimate regulated premiums plus variable fees. For purchases, remember the simultaneous loan discount and build in endorsements, recording, and escrow costs. For refinances, enter loan amount, potential prior‑policy credit, and county texas title fees. Always verify with your Texas title company for an official quote.

You can explore Similar Calculator like this Land Contract Calculator​.