Transparent Pricing

Dynamic Title & Settlement Fee Calculator

Select any US state or enter a 5-digit ZIP code to auto-resolve city/county and compute official statutory title insurance rates.

📊 Calculation Mode / Options:

Transaction Details

Select your state or type a ZIP code to auto-populate location and calculate fees.

ZIP Code Auto-Lookup

State *

City

County

Transaction Type *

📜 Existing Policy Age (Texas Rule R-8 Credit)

Purchase Price / Property Value ($) *

Loan Amount ($)

🛡️ State-Specific Policy Endorsements & Tax Options

Area & Boundary Amendment (T-19.1 Survey Deletion - 5%) Restrictions, Encroachments & Minerals Endorsement (T-19) Municipal Tax Certificate ($65) & GARC Guaranty Fee ($2/policy)

💡 Why do title policy rates differ?
• Purchase with Mortgage: Owner's Policy issued at basic rate + Lender Policy issued at simultaneous discount ($100 / $25).
• Cash Purchase: Owner's Policy ONLY. $0 Lender Policy, $0 Intangible Tax, $0 CPL Fee.
• Refinance: ALTA Short Form Loan Policy issued at statutory discounted refinance rate ($1,258 for $360k in GA vs $1,684 basic).

⚡ Rates calculated according to official statutory state regulatory promulgated rate manuals.

📅 Projected Closing Timeline

1. Title Search & Examination-

2. Commitment Issued-

3. Clear to Close Approval-

4. Target Closing Day-

ℹ️ Timeline Disclaimer & Notice: Projected dates represent estimated operational processing windows under ALTA Best Practices. Actual closing timelines may experience adjustments due to third-party municipal lien searches, HOA estoppel processing, lender clear-to-close underwriting, or county clerk recording turnarounds. Our dedicated settlement officers actively track every file to ensure seamless, on-time closing.

💡 Factors That Influence Closing Timelines & FAQ

Q: Why might a target closing date adjust?
A: Title commitments require verified clearance of unrecorded municipal liens, tax certificates, HOA estoppel disclosures, and lender closing instructions. If any third-party agency requires additional verification time, our team immediately coordinates with all parties to protect your transaction.

Q: How does Neo Gen Title protect my transaction schedule?
A: We initiate electronic title plant searches immediately upon contract submission and maintain daily proactive tracking with municipalities, lenders, and realtors to resolve curative items well ahead of closing day.

Q: Can my closing date be expedited?
A: Absolutely. For urgent commercial or residential transactions, our settlement team offers expedited title examination and priority processing upon request.

Estimated Closing Fees

Texas

📋 CFPB Section C: Services You Can Shop For $0

Owner's Title Policy $0

Lender's Title Policy $0

Escrow & Settlement Closing Fee $0

Title Search, Exam & Curative $0

🏛️ CFPB Section E: Taxes & Other Government Fees $0

Recording Fees (Deed & Mortgage) $0

Title Endorsement Fees $0

Municipal Tax Certificate $0

State Title Guaranty Fee (GARC) $0

Total Estimated Title & Settlement $0

✓ Disclaimer: Fee calculations map to official CFPB Closing Disclosure Sections C & E. Final title fees subject to contract terms, lender requirements, and municipal recording taxes.

🏛️ Official Statutory Regulatory Citation:

Texas Department of Insurance (TDI) Basic Manual Rate Rule R-1 (Promulgated 2026 Effective March 1)

📋 5-Page CD

CFPB TRID Interactive Guide

Interactive Closing Disclosure (CD) Explainer

Hover or tap any line item on the Closing Disclosure below to learn what it is and what role it plays in your real estate settlement.

CLOSING DISCLOSURE

Standard CFPB 5-Page Settlement Document

💡 Hover / Tap: Transaction Identifiers

Borrower: Steve & Amy Cole

Seller: Florida Title Holdings LLC

Settlement Agent: Neo Gen Title

Sales Price: $450,000.00

💡 Hover / Tap: Loan Terms (Amount & Interest Rate)

Loan Amount: $360,000.00 Interest Rate: 5.125% Monthly P&I: $1,959.34

💡 Hover / Tap: Projected Monthly Payments

Principal & Interest + Escrow (Taxes/Ins):$2,539.34 / mo

💡 Hover / Tap: Bottom Line Cash to Close

Closing Costs: $10,213.60 Cash to Close Wire: $98,410.00

🔍

Transaction Identifiers

Closing Disclosure Page 1 Header

Buyer Impact Seller Impact Title Agent Role

📌 What Is It?

Establishes the legal identification of all transaction parties (buyer, seller, lender, settlement agent) and contract sales terms.

🎯 What Role Does It Play?

Acts as the master legal reference for title search examination, deed drafting, and county recording.

🏛️ Regulatory Best Practice Tip:

Verify that legal names match your government photo ID exactly prior to signing closing documents.