Calculators ยท Selling & Closing
Texas Title Insurance Calculator
Calculate Texas owner's and lender's title insurance premiums from the state's promulgated basic rates effective March 1, 2026, including the simultaneous-issue loan policy.
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How this calculator works
In Texas, title insurance premiums are set by the Texas Department of Insurance, so every title company charges the same premium for the same policy. The rates in this calculator come from Commissioner's Order 2025-9697, effective March 1, 2026.
When the owner's and lender's policies are issued together at closing, the loan policy costs a flat simultaneous-issue charge if the loan is not more than the owner's policy amount.
- Up to $100,000, the premium comes from TDI's rate table (rounded up to the next $500 row). Above that, the state formula for each band applies.
- Endorsements shown are estimates; the title company confirms which endorsements apply and their cost. Escrow fees are not set by the state.
Worked example
Example values are illustrative, not quotes or market data. These are the numbers the calculator above starts with.
Inputs
- Owner's policy amount (usually the price)
- $350,000
- Loan policy amount (loan amount)
- $280,000
- Owner's and loan policy issued together
- Yes
- Loan policy T-19 endorsement
- Yes
- Owner's survey amendment (area and boundaries)
- No
Results
- Owner's policy
- $2,015
- Loan policy
- $100
- Total
- $2,198
Common questions
Why is title insurance the same price everywhere in Texas?
The Texas Department of Insurance promulgates the premium rates. Companies compete on service, and on fees that are not premiums, such as escrow fees.
Who pays for title insurance?
The contract decides. In the Houston area the seller customarily pays the owner's policy and the buyer pays the lender's policy.
Is title insurance paid every year?
No. It is a one-time premium paid at closing.
Related calculators
Estimate only. Actual loan terms, eligibility, insurance, taxes, and settlement charges require verification. These are planning estimates, not a lender Loan Estimate, Closing Disclosure, appraisal, or approval. Michael O'Neal is a real estate broker, not a lender, appraiser, attorney or tax adviser.
Next step
Get transaction-specific closing figures from Keystone Title.
Keystone Title & Escrow, 20665 W. Lake Houston Pkwy, Kingwood, TX 77346.
Never send wiring or account details through this site. Always confirm wiring instructions by phone with a number you already know.
Affiliated business arrangement disclosure. This is to give you notice that some agents and owners at Keller Williams Realty Northeast, including Michael O'Neal, have a business relationship with certain providers of services related to your purchase, sale or refinance of real estate, including Home Front Mortgage and Keystone Title & Escrow. Because of this relationship, a referral may provide some owners and agents at Keller Williams Realty Northeast a financial or other benefit. You are NOT required to use either company as a condition for your purchase, your financing or refinance, or any other transaction related to a property. There are frequently other providers available with similar services. You are free to shop around to determine that you are receiving the best services and the best rate for these services. You will be given the written Affiliated Business Arrangement Disclosure, including estimated charges, to review and sign.