TOOLS / TITLE PREMIUM

Texas title policy premium

The exact statewide premium, because Texas sets it and every title company charges the same.

Built on the rate table that took effect 1 March 2026, when TDI cut premiums 6.2%. Most Texas title calculators are still quoting the old, higher 2019 numbers.

The policy

Sale priceThe owner's policy is written for the sale price.

There is a mortgage on itA loan policy issued at the same time as the owner's policy is a flat $100 in Texas.

Loan amount

Endorsements

Survey deletion (amend the area and boundaries exception)Rate Rule R-16. 5% of the basic premium on a residential owner's policy, minimum $20. Free on the loan policy.

T-19.1 restrictions, encroachments and mineralsRate Rule R-29. 10% of basic, or 5% if you are also buying the survey deletion.

T-19.2 / T-19.3 minerals and surface damageFlat $50 on an owner's policy. Worth asking about in East Texas.

Title costs at closing

$1,642

This is the same at every title company in Texas. The state sets it, so there is nothing to shop.

The breakdown

Owner's policy basic premium$1,398

Loan policy, simultaneous issueRate Rule R-5, flat rate$100

Survey deletionR-16$70

T-19.1 endorsement5% of basic, reduced because of the survey deletion$70

Texas guaranty feeRises from $2.00 to $3.00 per policy on 1 October 2026.$4

Total$1,642

Texas is a promulgated-rate state. Every title company in Texas charges exactly this for the policy itself, so anyone claiming a better title premium is either confused or talking about their own escrow fee, which is a separate thing they do set.

Rates changed on 1 March 2026. TDI cut basic premiums by 6.2 percent. This tool uses the new schedule. A lot of Texas title calculators still online are running the 2019 numbers, which will quote you high.

Source: TDI Official Order No. 2025-9697 · effective 2026-03-01

Source: TDI Basic Manual, rate rules R-5, R-16, R-29

Escrow fees, survey and closing fees are set by each title company and are not promulgated, so they are not in this number. Ask for those separately and compare them, because those you actually can shop.

Call (903) 445-1497 Send the numbers over

This is a planning estimate, not an offer, an appraisal, a quote, or a commitment. Everything runs in your browser: no figure you type here is sent anywhere or stored. Endorsement availability depends on the property and the underwriter.