Texas closing cost calculatorTexas title insurance premiums are set by the state. This page applies the Texas Department of Insurance title insurance premium rates effective March 1, 2026, Commissioner's Order 2025-9697, checked 2026-10-09. These are estimates from published rates. The binding figures come from the Loan Estimate and the Closing Disclosure.
For a policy over 100,000 dollars the order says to subtract a threshold, multiply by the rate for that band, round the product to the nearest dollar, and then add a flat amount. The bands run from 100,001 dollars through amounts over 100,000,000 dollars. Each band has its own subtract figure, rate, and add figure. The calculator uses the purchase price as the policy amount and says so on the line.
The official 268,500 dollar example
A policy of 268,500 dollars sits in the first band. Subtract 100,000. Multiply the remaining 168,500 by 0.00494. The product is 832.39 dollars, which rounds to 832 dollars. Add 780 dollars. The premium is 1,612 dollars. With the fee fields at zero, that premium is the whole total, about 0.60 percent of the price. The form opens on this example. A loan policy can be a different amount. This page does not apply a simultaneous-issue discount.
What is not calculated
Policies of 100,000 dollars or less, including a price below 100,001 dollars, use a lookup table in the same PDF. The table is not transcribed, so the line says enter your quote. No premium is guessed, and that line is excluded from the total. The page then says the total is incomplete. You can still type lender fees, an appraisal, and recording fees. Those are your amounts, not a title premium under another name.
A Texas transfer tax is not shown. The figure is not verified. This page does not state that Texas has no transfer tax. Real estate commission and prepaid escrows are not estimated. Choosing buyer or seller only changes the heading, because no sourced rule here assigns the premium to one side. The bands above 1,000,000 dollars use a smaller rate and a larger flat add. The line on the result uses whichever band contains the price, and the checked date on that line is 2026-10-09. A policy of 100,001 dollars is the first amount the formula will price. One dollar less and the line changes to enter your quote. The purchase price is the policy amount on this page, so type the owner's policy amount there when that is the number you want priced.
The source is the Texas Title Insurance Premium Rates PDF, effective March 1, 2026, last checked 2026-10-09. The rate table's other bands are on how we calculate, each with the same order as its source. Compare Florida stamps and the California county tax, or return to the national calculator. A layoff payment is the severance calculator. A rooftop system is the solar cost calculator.
The nearest-dollar step happens before the flat amount is added. In the 268,500 dollar example, 832.39 dollars becomes 832, and only then is 780 added. A product ending in exactly half a dollar would round up. Lender, appraisal, and recording lines stay whatever you typed, and they do not change the premium. The premium line repeats the rate-order link and the checked date 2026-10-09.
Questions
Why is 100,000 dollars not calculated?
Policies of 100,000 dollars or less use a lookup table in the same rate order. That table is not transcribed here, so the line says enter your quote and the premium is left out of the total.
Does this include a loan policy discount?
No. The figure is the promulgated premium on the purchase price, using the basic schedule for policies over 100,000 dollars. A simultaneous-issue credit is not applied.
Is Texas transfer tax zero?
This page does not say that. The transfer-tax figure is unverified, so the line is omitted. Omission is not a finding that the tax is zero.
Is 1,612 dollars my title quote?
It is the rate-order example for a 268,500 dollar policy, not a commitment from a title agent. Binding figures come from the Loan Estimate and the Closing Disclosure.