Provident Title Rate Calculator

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.provident-calc-container {
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margin: 20px auto;
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transition: background 0.3s;
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.provident-calc-btn:hover {
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.provident-article h3 {
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Provident Title Rate Calculator

Estimate your title insurance premiums and settlement fees for property transactions.

New Purchase
Refinance

Owner’s & Lender’s (Simultaneous)
Owner’s Policy Only
Lender’s Policy Only

Estimated Settlement Costs

Owner’s Title Premium:
Lender’s Title Premium:
Settlement/Escrow Fee:
Government Recording Fees:
Estimated Total:

Understanding Provident Title Rates

When purchasing or refinancing real estate, title insurance is a critical component of the closing process. The Provident Title Rate Calculator helps homeowners and investors estimate the costs associated with securing a clear title. Unlike recurring insurance premiums, title insurance is a one-time fee paid at closing that protects your ownership rights for as long as you or your heirs own the property.

How Title Rates Are Calculated

Title insurance rates are generally based on the total value of the property or the loan amount. Most states regulate these rates, resulting in a tiered pricing structure:

  • Up to $100,000: A base rate is applied.
  • $100,001 to $500,000: A lower incremental rate per $1,000 of value.
  • Over $1,000,000: The lowest incremental rate for high-value transactions.

Owner’s vs. Lender’s Policy

There are two primary types of title insurance policies. An Owner’s Policy protects the buyer’s equity and legal rights to the property. A Lender’s Policy (often required by banks) protects the financial institution’s interest in the collateral. When both are purchased together, it is known as a “Simultaneous Issue,” which significantly discounts the cost of the second policy.

What Factors Influence the Final Cost?

Beyond the insurance premium itself, several other factors influence the final “Provident Rate” at closing:

  1. Endorsements: Specific add-ons for environmental protection, zoning, or planned unit developments.
  2. Escrow Fees: The cost charged by the title company to handle the funds and paperwork.
  3. Search and Examination: The labor cost to research the property’s chain of title in public records.
  4. Recording Fees: Charges by the local county recorder to officially document the new deed and mortgage.

Real-World Calculation Example

If you are purchasing a home for $400,000 with a $320,000 loan in a standard jurisdiction:

  • Owner’s Premium: Approx. $2,125 (based on $400k value)
  • Lender’s Policy: $200 (Simultaneous issue discount)
  • Settlement Fees: $450
  • Recording Fees: $150
  • Total Estimated Closing Cost: $2,925

Note: These figures are estimates. Actual rates vary by state, county, and specific underwriter guidelines. Always request a formal Closing Disclosure (CD) for exact figures.

function calculateProvidentRate() {
var propertyPrice = parseFloat(document.getElementById(‘propertyPrice’).value) || 0;
var loanAmount = parseFloat(document.getElementById(‘loanAmount’).value) || 0;
var transactionType = document.getElementById(‘transactionType’).value;
var policySelection = document.getElementById(‘policySelection’).value;
var ownersPremium = 0;
var lendersPremium = 0;
var escrowFee = 0;
var recordingFee = 225; // Standard average estimate
// Logic for Owner’s Premium based on Price
if (propertyPrice > 0) {
if (propertyPrice <= 100000) {
ownersPremium = (propertyPrice / 1000) * 5.75;
} else if (propertyPrice 0) {
if (loanAmount 0 && ownersPremium < 400) ownersPremium = 400;
var total = ownersPremium + lendersPremium + escrowFee + recordingFee;
// Display results
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 = "$" + escrowFee.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resRecording').innerText = "$" + recordingFee.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resTotal').innerText = "$" + total.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('providentResult').style.display = 'block';
}

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