REALTOR® Tool

Texas Title Rate Calculator

Texas title insurance is promulgated — the Texas Department of Insurance sets one schedule and every title underwriter charges the same premium. This estimator uses the official schedule effective March 1, 2026, including the R-5 simultaneous issue rule and the R-8 refinance reissue credit.

Transaction type

Property type

Affects endorsement rates (T-19 / T-19.1 / area-boundary).

Sales price

Loan amount

0 for cash purchase

Endorsements

Check the boxes for endorsements requested at closing. Standard Texas residential purchase typically includes T-19, T-19.1, T-30, and an area-boundary (survey) deletion.

T-19.1 — Restrictions, Encroachments, Minerals (Owner)10% of basic rate (5% with survey deletion)T-19 — Restrictions, Encroachments, Minerals (Loan)5% of basic rate (min $50)T-30 — Tax Deletion (Loan)Flat $5 per R-19T-3 — Area & Boundary deletion (Owner)5% of basic rate (min $20)

Escrow / closing fee

Set by title company — ~$350 typical in AustinRecording fees

County clerk recording — ~$125 typical

Estimated Total

$3,451.00

$450,000 sale · $360,000 loan

Owner's Title Policy$2,509.00

Lender's Policy (R-5)$100.00

T-19.1 (Owner)$125.00

T-19 (Loan)$103.00

T-30 (Tax)$5.00

T-3 (Survey)$125.00

Escrow / closing fee$350.00

TX Guaranty Assessment$9.00

Recording fees$125.00

Total at closing$3,451.00

In a standard Texas purchase, the seller customarily pays the owner's policy and the buyerpays the lender's policy + endorsements. Allocation is negotiable in the contract.

Estimate only. Texas title insurance premiums are promulgatedby the Texas Department of Insurance — every TX title company charges the identical premium for the basic owner's and lender's policies. Rates above use the schedule effective March 1, 2026 (TDI titlerates2026.pdf). Escrow / closing fees and recording fees are not promulgated and vary by title company. Confirm exact figures on your Closing Disclosure with your title company.