National Average
California
Florida
New York
Texas
Illinois
Pennsylvania
Ohio
Georgia
North Carolina
Michigan
Estimated Title Insurance Premiums
Owner's Policy Premium:–
Lender's Policy Premium:–
Endorsements & Fees (Est.):–
TOTAL ESTIMATED COST:–
*This tool provides an estimate based on national tiered averages and is for informational purposes only. Actual Fidelity National Financial (FNF) rates vary strictly by state, county, and specific transaction details. Please consult a local settlement agent for an exact quote.
function toggleInputs() {
var type = document.getElementById("transactionType").value;
var loanInput = document.getElementById("loanAmount");
var loanContainer = document.getElementById("loanAmountContainer");
var salesInput = document.getElementById("salesPrice");
if (type === "no_loan") {
loanInput.value = 0;
loanInput.disabled = true;
loanContainer.style.opacity = "0.5";
} else {
loanInput.disabled = false;
loanContainer.style.opacity = "1";
}
if (type === "refinance") {
// Usually refi is based on loan amount mainly, but logic kept simple
}
}
function calculateTitlePremiums() {
// 1. Get Inputs
var type = document.getElementById("transactionType").value;
var stateFactor = parseFloat(document.getElementById("propertyState").value);
var price = parseFloat(document.getElementById("salesPrice").value);
var loan = parseFloat(document.getElementById("loanAmount").value);
// 2. Validation
if (isNaN(price)) price = 0;
if (isNaN(loan)) loan = 0;
if (price === 0 && loan === 0) {
alert("Please enter a Sales Price or Loan Amount.");
return;
}
// 3. Define Calculation Logic (Tiered Rate Simulation)
// Note: Real title rates are complex per-thousand calculations.
// This simulates a standard tiered structure common in the industry.
function getBasePremium(amount) {
if (amount 0) {
// Tier 2: 100k to 500k
var tier2 = Math.min(remaining, 400000); // 500k – 100k
premium += (tier2 / 1000) * 4.50;
remaining -= tier2;
}
if (remaining > 0) {
// Tier 3: 500k to 1M
var tier3 = Math.min(remaining, 500000);
premium += (tier3 / 1000) * 3.75;
remaining -= tier3;
}
if (remaining > 0) {
// Tier 4: Over 1M
premium += (remaining / 1000) * 2.50;
}
// Minimum Fee
return Math.max(premium, 350);
}
var ownerPremium = 0;
var lenderPremium = 0;
var endorsements = 150 * stateFactor; // Base endorsement fee estimate
// 4. Logic based on Transaction Type
if (type === "purchase") {
// Calculate Owner's Policy based on full sales price
ownerPremium = getBasePremium(price) * stateFactor;
// Calculate Lender's Policy (Simultaneous Issue)
// If loan 0) {
// Simultaneous issue fee simulation (e.g., $100 or % of difference)
var simulFee = 250 * stateFactor; // Simultaneous issue fee
// If loan amount exceeds sales price (unlikely in purchase, but possible), add difference
if (loan > price) {
var diff = loan – price;
var extraRisk = getBasePremium(diff) * stateFactor;
lenderPremium = simulFee + extraRisk;
} else {
lenderPremium = simulFee;
}
}
}
else if (type === "refinance") {
// Refinance usually has a "Reissue Rate" discount
// No Owner's Policy usually (unless new owner added, but standard refi assumes existing owner)
ownerPremium = 0;
// Lender policy is primary, based on loan amount, often discounted
var standardRate = getBasePremium(loan) * stateFactor;
// Apply typically 30-40% reissue discount
lenderPremium = standardRate * 0.70;
endorsements += 100; // Extra endorsements common in refi
}
else if (type === "no_loan") {
// Cash deal
ownerPremium = getBasePremium(price) * stateFactor;
lenderPremium = 0;
}
// 5. Calculate Totals
var total = ownerPremium + lenderPremium + endorsements;
// 6. Display Results
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
});
document.getElementById("ownerPolicyRes").innerText = formatter.format(ownerPremium);
document.getElementById("lenderPolicyRes").innerText = formatter.format(lenderPremium);
document.getElementById("endorsementsRes").innerText = formatter.format(endorsements);
document.getElementById("totalCostRes").innerText = formatter.format(total);
document.getElementById("resultsArea").style.display = "block";
}
Understanding FNF National Title Rates
When closing on a real estate transaction, whether it is a residential purchase or a refinance, title insurance is a critical component of the closing costs. The Fidelity National Financial (FNF) family of companies provides title insurance to protect property rights. Understanding how these premiums are calculated helps buyers and borrowers budget effectively for their settlement services.
What is the FNF National Rate Calculator?
An FNF rate calculator allows real estate professionals, lenders, and homebuyers to estimate the premiums associated with title insurance policies. Unlike monthly insurance premiums (like auto or health), title insurance is a one-time fee paid at closing. The "National Rate" refers to the specific schedule of fees filed by Fidelity National Financial in a given state.
Key Factors Influencing Title Premiums
The cost of title insurance is not arbitrary; it is actuarially determined and often regulated by state insurance commissions. The primary inputs for calculation include:
Transaction Type: A "Purchase" generally requires an Owner's Policy (protecting the buyer) and a Loan Policy (protecting the lender). A "Refinance" usually only requires a Loan Policy, often at a discounted "reissue" rate if the previous policy is recent.
Sales Price / Liability Amount: The Owner's Policy premium is calculated based on the full purchase price of the home.
Loan Amount: The Lender's Policy is based on the mortgage amount. In many states, if both policies are purchased together, the Lender's Policy is issued at a significantly reduced "simultaneous issue" rate.
Property Location: Rates vary significantly by state and county. Some states like Texas and Florida have promulgated rates (fixed by law), while others allow for more competition between title insurers.
Owner's Policy vs. Lender's Policy
Owner's Policy: Protects the buyer's equity in the property against past defects in title, such as unpaid liens, forged signatures in prior deeds, or unknown heirs claiming ownership. This coverage lasts as long as you or your heirs own the property.
Lender's Policy: Protects the bank or mortgage lender's validity and priority of their lien. This is almost always mandatory if you are taking out a mortgage. The liability decreases as you pay down your mortgage principal.
Simultaneous Issue and Refinance Discounts
One of the most complex parts of the calculation involves the "Simultaneous Issue" discount. When an Owner's Policy covers the full value of the home, the risk to the insurer for the Lender's Policy (up to the loan amount) is already largely underwritten. Therefore, the additional cost for the Lender's Policy is often nominal.
Similarly, regarding refinances, if you have an existing Owner's Policy, you may qualify for a "Reissue Rate" or "Substitution Rate" on the new Loan Policy, which can offer savings of 30% to 50% compared to the basic rate.