Pennsylvania Title Insurance Rate & Deed Transfer Tax Calculator

PA State FlagPennsylvania title insurance rates are regulated by the PA Department of Insurance; therefore the title insurance premiums are the same with all title insurers.  Pennsylvania revised the title insurance rates effective 10-01-2017. Here is the new PA Rate Manual. This PA title insurance calculator will estimate the title insurance premium for purchase and refinance mortgage loans. For information on the Pennsylvania deed transfer tax, click here for information on the PA Transfer Tax. Please send me an E-mail if you see an error or want to make a comment. Last updated 6/2018.

PURCHASE | REFINANCE |

  Pennsylvania Title Insurance & Closing Cost Calculator
 
  Selling price of property    
  Loan Amount    
  Title Insurance Premium
  OWNERS POLICY
  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 $125.00  
 
  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  



Frequently asked questions about Pennsylvania title insurance

Pennsylvania's all inclusive title insurance rate

The Pennsylvania title insurance rate includes the cost of the title search, title examination, escrow and settlement services.

Pennsylvania's Sale and Non-Sale title insurance rates

Prior to July 1, 2012, the State Insurance Department set the rates for Basic, Reissue, Substitution and new construction title insurance policies. Since July 1, 2012, the title rates are structured as Sale and Non-Sale title rates only. The Sale Rate applies In transactions where both an owner’s policy and a loan policy are being issued simultaneously under a purchase. The coverage amount is calculated on the greater of the sales price or loan amount. Enhanced coverage may be available to owner-occupants for an additional 10% of the applicable premium. The Enhanced coverage provides additional protections. The Non-Sale Rate applies when a loan policy is being issued in a refinance, subject to certain exceptions. The title cost is determined by the loan amount.

Who Chooses The Title Company in PA? Seller? The Buyer? Lender? Realtor?

The buyer usually pays title insurance policy in Pennsylvania, and the buyer has the legal right to select the title company. Most home buyers take the real estate agent's recommendations on who to use. Some real estate agents have “Affiliated Business Arrangements” with specific title companies. This affiliation is a legal way for title companies and realtors to share in the title insurance commissions. Real estate agents are required to disclose to the home buyer(s) if he or she has an Affiliated Business Arrangement with a title/settlement company. The notice is usually found in the disclosure papers provided by the agent.

Why do I need a new title insurance policy if I'm refinancing my mortgage?

When you purchased the home, you purchased a title insurance policy that guaranteed the title from the purchase date backward. Time has passed and you want to refinance your mortgage. The lender needs reassured that nothing has changed since your original title policy. For example, what if you or your neighbor violated the property boundaries with a fence, or there was a change in ownership (i.e. divorce, ownership addition or deletion).