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Title Insurance Calculator PA

Man holding a business card that says Title InsuranceThis calculator 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 PA title insurance.

Click on Purchase or Refinance to toggle back and forth


  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)  

Title insurance in Pennsylvania

As in many other states, Title insurance in Pennsylvania plays a crucial role in real estate transactions by protecting both the buyer and the lender.

It is designed to safeguard against any potential issues or claims related to the property's title, ensuring a clear and marketable title for the new owner. Here are some critical points about title insurance in Pennsylvania:

Two Types of Title Insurance

Owner's Title Insurance: This policy is typically purchased by the homebuyer and protects the property owner. It covers them in case of unforeseen issues with the property's title, such as undisclosed liens, encumbrances, or defects that may arise after the purchase.
Lender's Title Insurance: Lenders often require borrowers to purchase this policy to protect their interest in the property. It ensures that the lender's mortgage is secure and that they have a valid lien on the property.
Title Search and Examination: A title company in Pennsylvania will conduct a thorough title search and examination before issuing a title insurance policy. This process involves researching public records to identify outstanding issues, such as unpaid taxes, mortgages, judgments, or other potential claims on the property's title.
Protection Against Claims: Title insurance protects against various title-related issues, including fraud, errors in public records, forgery, undisclosed heirs, and boundary disputes. If a covered issue arises, the title insurance company is responsible for addressing and potentially resolving the problem.
One-Time Premium: In Pennsylvania, title insurance is typically purchased as a one-time premium at the time of closing, and the policy remains in effect for as long as the property is owned by the insured party (for owner's title insurance) or until the mortgage is paid off (for lender's title insurance).
Closing Process: The title insurance company is involved in closing and ensures that all title-related matters are resolved before the property changes ownership. They issue the title insurance policy after a successful closing.
Optional Policies: In addition to standard title insurance, Pennsylvania residents may have the option to purchase additional policies, such as enhanced owner's policies or policies that cover specific risks.
Title Insurance Companies: Title insurance services in Pennsylvania are typically provided by licensed title insurance companies and agents. Buyers and lenders have the freedom to choose their preferred title insurance company, although it is common for lenders to have their preferences.

Title insurance is an essential part of the real estate transaction process, providing peace of mind to both buyers and lenders. It ensures the property's title is clear and free from any hidden issues that could jeopardize ownership or financial interests. Anyone involved in a real estate transaction in Pennsylvania should understand the importance of title insurance and consider it part of their closing costs.

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.

Before 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?
Read more about seller assistance.

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

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 request.

Title insurance is expensive in PA, but it can be worth it if there is a problem after closing.


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