U.S. Mortgage Index

Why is the title insurance premium on my Loan Estimate or Closing Disclosure different from the title company's quote?

Short answer

A different figure on the title company's paperwork does not necessarily mean you are being charged more. The CFPB says a state-required itemized list can display the same fees differently from the or . Compare the bottom-line totals of all title-related costs.

Full explanation

The CFPB says you are not necessarily being charged more when the title company's figures do not match the amounts on the loan forms. In some states the title company gives an itemized fee list at closing. State law may require that list to be laid out differently from the same charges on the Loan Estimate or Closing Disclosure.

If you add the title-related costs on the title company's list, the total should match the title-related totals on the Loan Estimate or Closing Disclosure. When you compare cost, use that combined bottom line rather than any single line.

A Loan Estimate and Closing Disclosure are not used for reverse mortgages, HELOCs, manufactured-housing or mobile-home loans that are not secured by real estate, or certain assistance-program subordinate loans. Those products use other disclosures.

Sources reviewed

Last reviewed

September 10, 2026