Fidelity National Title Insurance Rate Calculator
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Fidelity National Title Insurance Rate Calculator
Estimated Title Insurance Premiums
Owner's Policy Premium:
–
Lender's Policy Premium:
–
Simultaneous Issue Savings:
–
Endorsements / Add-ons:
–
Total Estimated Premium:
–
*Note: These figures are estimates based on standard Fidelity National Title Insurance Company tiered structures. Actual rates vary strictly by state, county, and specific policy endorsements. Always request an official settlement statement (HUD-1 or CD) from your escrow officer.
Enter property details and click "Calculate Premiums" to see the breakdown.
Understanding Fidelity National Title Insurance Rates
Title insurance is a critical component of closing costs in real estate transactions. Unlike other forms of insurance that protect against future events, title insurance protects the future against past events—specifically, defects in title ownership. When using Fidelity National Title Insurance Company (FNTIC), premiums are typically determined by the purchase price of the home and the loan amount.
Key Difference: The Owner's Policy protects you (the buyer) for the full purchase price of the home. The Lender's Policy protects the bank for the amount of the mortgage loan.
How Premiums Are Calculated
Title insurance rates are generally "promulgated" (set by state law) or filed with the state insurance department. Most states utilize a tiered rate structure. This means the rate per thousand dollars of liability decreases as the property value increases.
- Base Rate: A minimum charge for properties up to a certain value (e.g., $100,000).
- Incremental Rate: For amounts above the base tier, a specific dollar amount is added per $1,000 of liability.
- Simultaneous Issue: If you purchase an Owner's Policy and a Lender's Policy together, most states offer a "Simultaneous Issue" discount, where the Lender's Policy is issued for a nominal fee rather than the full rate.
Factors Influencing Your Rate
While the formula is mathematical, several variables impact the final quote generated by this Fidelity National Title calculator:
- Location: Rates in Texas or Florida are set by the state, while rates in California or New York may vary by county and competition.
- Transaction Type: Purchases usually involve both policies. Refinances usually only require a Lender's Policy, often at a discounted "reissue" rate if the previous policy is recent.
- Policy Type: "Standard" coverage handles basic title defects. "Enhanced" policies (often called Eagle protection) cover additional risks like permit violations or post-policy forgery, usually costing 10-25% more.
Who Pays for Title Insurance?
This varies by local custom. In some counties, the seller pays for the Owner's Policy while the buyer pays for the Lender's Policy. In others, the buyer pays for both. It is often a negotiable term in the purchase contract.
function toggleInputs() {
var type = document.getElementById('transactionType').value;
var salesInput = document.getElementById('salesPrice');
var salesGroup = salesInput.parentElement;
if (type === 'refinance') {
// For refi, we base calculation primarily on loan amount, purchase price irrelevant
salesInput.value = ";
salesGroup.style.display = 'none';
} else {
salesGroup.style.display = 'block';
}
}
// Function to calculate base tiered rate
// This simulates a common structure found in FNTIC rate tables
function getTieredPremium(amount, multiplier) {
if (amount <= 0) return 0;
// Base minimum
var premium = 500 * multiplier;
// Tier 1: 0 – 100,000
var tier1Limit = 100000;
var tier1Rate = 5.75 * multiplier; // per 1000
// Tier 2: 100,001 – 1,000,000
var tier2Limit = 1000000;
var tier2Rate = 4.50 * multiplier; // per 1000
// Tier 3: 1,000,001 – 5,000,000
var tier3Limit = 5000000;
var tier3Rate = 2.50 * multiplier; // per 1000
// Tier 4: 5,000,001+
var tier4Rate = 2.25 * multiplier; // per 1000
if (amount <= tier1Limit) {
// Simple flat calculation for low amounts or per thousand
// Using a hybrid accurate approx: Base start + rate
premium = 500 * multiplier + ((amount / 1000) * tier1Rate);
} else if (amount <= tier2Limit) {
premium = (500 * multiplier) + ((tier1Limit / 1000) * tier1Rate);
premium += ((amount – tier1Limit) / 1000) * tier2Rate;
} else if (amount <= tier3Limit) {
premium = (500 * multiplier) + ((tier1Limit / 1000) * tier1Rate);
premium += ((tier2Limit – tier1Limit) / 1000) * tier2Rate;
premium += ((amount – tier2Limit) / 1000) * tier3Rate;
} else {
premium = (500 * multiplier) + ((tier1Limit / 1000) * tier1Rate);
premium += ((tier2Limit – tier1Limit) / 1000) * tier2Rate;
premium += ((tier3Limit – tier2Limit) / 1000) * tier3Rate;
premium += ((amount – tier3Limit) / 1000) * tier4Rate;
}
return premium;
}
function calculateTitlePremiums() {
// Get Inputs
var transType = document.getElementById('transactionType').value;
var salesPrice = parseFloat(document.getElementById('salesPrice').value);
var loanAmt = parseFloat(document.getElementById('loanAmt').value);
var zone = document.getElementById('locationTier').value;
var endorsementFactor = parseFloat(document.getElementById('endorsements').value);
// Validation
if (transType === 'purchase') {
if (isNaN(salesPrice) || salesPrice 0) {
// If simultaneous issue:
// Usually Lender policy is a nominal fee (e.g. $100) OR the difference in premium if Loan > Price (rare)
// We will use the common "Simultaneous Issue" add-on fee structure.
// Calculate what Lender policy WOULD cost alone
var lenderBase = getTieredPremium(loanAmt, zoneMult);
// Simultaneous Logic:
// You pay the Owner Premium + a "Simultaneous Fee" (approx $300 adjusted by zone)
// However, the result display asks for breakdown.
// Display Logic:
// Owner: Full Rate
// Lender: Nominal Fee
var simulFee = 250 * zoneMult; // Nominal fee for simultaneous
if (loanAmt > salesPrice) {
// If loan is higher, pay difference
var diff = getTieredPremium(loanAmt, zoneMult) – getTieredPremium(salesPrice, zoneMult);
lenderPremium = simulFee + diff;
} else {
lenderPremium = simulFee;
}
// Calculate hypothetical savings to show user value
simulSavings = lenderBase – lenderPremium;
if(simulSavings 0) {
document.getElementById('simulRow').style.display = 'flex';
document.getElementById('simulResult').innerHTML = "-$" + simulSavings.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
} else {
document.getElementById('simulRow').style.display = 'none';
}
document.getElementById('endorsementResult').innerHTML = "$" + endorsementsCost.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('totalResult').innerHTML = "$" + total.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
}