Pennsylvania Title Insurance Calculator

Title insurance policy graphicThis title insurance calculator will estimate the Pennsylvania title insurance cost for purchase and refinance transactions.

The Pennsylvania Department of Insurance regulates title insurance, therefore all title insurers will charge the same title rate.

Unfortunately, the Pennsylvania Insurance Department revised the title insurance rates effective 10-01-2017. This title calculator reflects the new title rates.
Learn more about the PA title insurance. If you find a mistake, have a remark, or wish to make a purchase, please send me an email. Last updated 8/2020.

PURCHASE | REFINANCE |

  Pennsylvania Title Insurance & Closing-cost calculator
 
  Selling price of property    
  Loan Amount    
  Title Insurance Premium
  Pennsylvania TRID calculator
  CFPB Owner's Title Policy Disclosure Calculation
  Basic Owner's Policy (Actual Premium)  
  Simultaneous Loan Policy (Actual Premium)
  Stand-alone Loan Policy (Actual Premium)  
  CFPB - Owner's Policy Disclosed Amount  
  Title Insurance Premium Adjustment  
  TOTAL Title Insurance Premium  
 
  Title Insurance Endorsements
 
  Closing Protection Letter  
 
  100 No Violation Of Restrictions On Construction  
  1020 Fnma Balloon  
  1600 (10-06) Assignment  
  1620 (39-06) Policy Authentication  
  300 Survey Exception  
  400 Manufactured Housing Endorsement  
  710 (6.2-06) Variable Rate Negative Amort  
  710 Variable Rate Mortgage  
  810 Condominium  
  820 Planned Unit Development  
  900 (8.1-06) Environmental Protection Lien  
  Enhanced Coverage Endorsements (6.2, 710, 810, 820, 1030)  
  TOTAL  

How much is title insurance in Pennsylvania?

The Pennsylvania Department of Insurance regulates title insurance.
The insurance department determines the pricing. As a result, all title insurers charge the same title insurance rate.

Prior to 10-01-2017, the State Insurance Department permitted title insurers to reduce title insurance rates for policies "re-issued" from two to ten years; however, after the title insurance rate adjustment, Pennsylvania eliminated the policy reductions. The title premiums are classified as either sale or non-sale (refinance rate).

Who pays for title insurance in PA?

By custom, the buyer pays for the title insurance premium in Pennsylvania. However, the seller could pay the cost as a seller paid closing-cost. Read more about seller assistance

Why do I have to buy title insurance?

Title insurance protects against ownership issues by the previous owner or owners. For example, do you know if the people selling you the house are the rightful owners? What if the sellers are impersonating the lawful owners? Are the real estate taxes paid in full, or is there a deficiency? After closing, you take ownership of any liens and judgments. The title insurance policy usually includes a title search and protection if the title examiner overlooked something that could impact your ownership. Title insurance is expensive in PA, but it can be worth it if there is a problem after closing.