Standard National Average
High-Cost Market (NY, FL, CA)
Owner's Title Insurance:
Lender's Title Policy:
Escrow / Settlement Fee:
Recording & Admin Fees:
Total Estimated Title Costs:
*Disclaimer: These are estimates based on standard rate filings. Actual Ticor Title fees vary by county and specific underwriting requirements.
function calculateTicorFees() {
var price = parseFloat(document.getElementById('propertyPrice').value);
var loan = parseFloat(document.getElementById('loanValue').value);
var transType = document.getElementById('transType').value;
var region = document.getElementById('calcState').value;
if (isNaN(price) || price <= 0) {
alert("Please enter a valid property sale price.");
return;
}
if (isNaN(loan)) loan = 0;
var ownersPremium = 0;
var lendersPremium = 0;
var escrowFee = 0;
var adminFee = 250;
// Logic for Owner's Policy (Based on standard tiered rate schedules)
if (transType === 'purchase') {
if (price <= 100000) {
ownersPremium = price * 0.006;
} else if (price 0) ? 200 : 0;
} else {
// Refinance logic – usually lower rates or just Lender's policy
ownersPremium = 0;
lendersPremium = 400 + (loan * 0.002);
}
// Adjust for High Cost Regions
if (region === 'high') {
ownersPremium *= 1.25;
lendersPremium *= 1.25;
escrowFee = 850 + (price * 0.0005);
} else {
escrowFee = 500 + (price * 0.0003);
}
// Refinance usually has a flat settlement fee
if (transType === 'refinance') {
escrowFee = 450;
}
var total = ownersPremium + lendersPremium + escrowFee + adminFee;
document.getElementById('resOwners').innerText = '$' + ownersPremium.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resLenders').innerText = '$' + lendersPremium.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resEscrow').innerText = '$' + escrowFee.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resAdmin').innerText = '$' + adminFee.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resTotal').innerText = '$' + total.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('ticor-result').style.display = 'block';
}
Understanding Ticor Title Rates and Closing Costs
When navigating a real estate transaction, one of the most critical yet often overlooked expenses is the cost of title insurance and settlement services. Ticor Title, a member of the Fidelity National Financial family, is one of the nation's premier title insurance companies. Using a Ticor Title Rate Calculator helps buyers, sellers, and refinancers estimate their "out-of-the-door" costs at the closing table.
What is Title Insurance?
Title insurance is a unique form of indemnity insurance that protects holders from financial loss sustained from defects in a title to a property. Unlike most insurance policies that protect against future events, title insurance protects against events that occurred in the past, such as:
Unknown liens or encumbrances.
Forgeries in the chain of title.
Undisclosed heirs claiming ownership.
Errors in public records.
Key Components of Ticor Title Fees
When you receive a quote or use our calculator, the total is usually comprised of several distinct charges:
1. Owner's Title Insurance Premium
This is typically paid by the seller in many markets (though this is negotiable) and protects the buyer's investment in the property for as long as they or their heirs own it. The rate is calculated based on the total sale price of the property.
2. Lender's Title Policy
Most mortgage lenders require a lender's policy to protect their security interest in the property. If purchased at the same time as an owner's policy, Ticor often provides a "simultaneous issue rate," which is significantly discounted.
3. Escrow and Settlement Fees
These fees cover the cost of the neutral third party (the escrow officer) who handles the documentation, funds, and final signing process. These are service fees and are distinct from the insurance premiums.
Real-World Example Calculation
Imagine you are purchasing a home in a standard market for $400,000 with a loan of $320,000.
Owner's Premium: Based on the $400,000 price, the estimated premium might be roughly $1,650.
Simultaneous Lender's Fee: Since it's a purchase, the lender's policy might be a flat addition of $200.
Escrow Fee: A standard escrow fee for this price point might be approximately $620.
Admin/Recording: Government recording fees and courier charges often add another $250.
Total Estimate: Roughly $2,720.
Factors That Affect Your Ticor Rate
It is important to note that title rates are regulated at the state level. In states like Texas or Florida, rates are "promulgated," meaning every title company must charge the same rate for the insurance premium. In other states, companies file their own rates with the Department of Insurance, leading to competition. Other factors include:
Property Type: Commercial properties often have higher rates than residential ones.
Endorsements: Specific riders (like environmental protection or ARM endorsements) can add small additional costs.
Short-Term Rates: If the property was sold within the last few years, you might qualify for a "reissue rate" discount.
Always request a preliminary settlement statement (CD or HUD-1) from your Ticor Title representative to see the finalized, penny-accurate numbers for your specific zip code and transaction details.