Finance category
Mortgage, loan, investing, tax, and money calculators.
Lender's Title Policy Calculator
Lender's title policy protects the lender's interest against title claims up to the loan amount. Required on every mortgage loan, paid by borrower at close. Cost varies by state and loan amount.
Total lender's policy cost
$1,135
Base premium
$935
Endorsements
$200
How the math works
$340K × $2.75/$1K = $935 base premium + $200 required endorsements = $1,135.
Lender's policy is mandatory. But the rate is competitive — shop a few providers. In TX and FL, rates are state-set and identical; in NY and PA, shopping can save $200-$600.
How to Use
- Enter loan amount and state rate per $1,000.
- See lender's policy premium.
Frequently Asked Questions
Why does the lender need its own policy?
Lender's policy protects the lender's collateral (the loan). If a title defect emerges and causes the lender to lose security, the policy pays. Separate from owner's policy which protects the buyer.
Does coverage amount stay flat?
Decreases with loan paydown. Unlike owner's policy (stays at purchase price for lifetime), lender's coverage drops as loan amortizes. At loan payoff, lender's policy ends.
Can I use my own provider?
Yes in most states. Lender can suggest but can't require a specific title company (federal RESPA rule). Shop 3 providers — prices vary widely.
Related Calculators
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring
Next steps in Finance
Previous calculator
Leasing Commission Calculator
Structure a leasing commission — flat fee, % of annual rent, new vs renewal, and escalating-term structures for commercial leases.
Next calculator
Listing Price Calculator
Back into an optimal list price from comparable sales, absorption rate, and your seller's walk-away net.