Texas promulgated rates
Closing cost estimator
Title insurance premiums in Texas are set by the Texas Department of Insurance and are identical at every title company in the state. So these are not our prices — they are the state's. Adjust the inputs and see the whole picture.
In North Texas the seller customarily pays the owner policy, but it is negotiable in the contract.
How to read this
What is fixed, and what is not.
Set by the state
The owner policy, the loan policy, and the endorsement charges follow the promulgated rate table. No title company in Texas can discount them, and none can inflate them.
Our fees
Escrow, document preparation, and courier charges are set by the agency. Ours are shown here as estimates so nothing surprises you on the settlement statement.
Third-party costs
Recording fees, tax certificates, HOA resale certificates, and survey costs are pass-throughs that vary by county and property. We estimate them and reconcile to actual.
This is an estimate, not a settlement statement.
Your actual figures depend on the contract, the lender, prorations, payoffs, HOA transfer costs, and the specifics of your property. Want the real number? Send us the contract and we will produce an estimated settlement statement.
Related questions
About Texas title rates
In North Texas the seller customarily pays for the owner's title policy, and the buyer customarily pays for the lender's loan policy along with most recording and loan-related costs. None of that is a rule — it is a custom, and it is negotiable in the contract. On the TREC one-to-four family contract it is spelled out in the title policy paragraph, and we will follow whatever the executed contract says.
Because the state sets it. The Texas Department of Insurance promulgates the Basic Premium Rate Table, and every licensed title agency in Texas charges the same premium for the same policy amount. That means price is not the variable — service is. What actually differs between title companies is how fast the commitment comes out, whether anyone explains it to you, how curative gets handled, and whether closing day runs on time.
It protects your ownership against problems that already existed when you bought, even though nobody found them at the time — a forged deed somewhere in the chain, an undisclosed heir with a claim, a lien that was paid but never released, a recording error, or a boundary or access issue depending on your coverage. Unlike most insurance, you pay once at closing and the coverage lasts as long as you or your heirs hold an interest in the property.
The standard policy takes exception to anything an accurate survey would show — encroachments, boundary conflicts, shortages in area. The area and boundary amendment (what everyone calls the survey deletion) removes most of that exception so those items are covered. It requires an acceptable survey, and under the state rate rules it costs a percentage of the basic premium. Most residential buyers take it. Our estimator includes it by default and you can toggle it off to see the difference.
The commitment is the underwriter's promise to insure, subject to conditions. Schedule A is the deal: who is insured, for how much, and how title is currently vested. Schedule B lists the exceptions — what the policy will not cover, like easements and restrictions. Schedule C is the to-do list: what has to be cleared before closing. Schedule D discloses who gets paid what out of the premium. When we send yours, an escrow officer walks you through B and C rather than leaving you to decode it.
