Choose the transaction type. This sets which Old Republic Title rate schedule and fees apply to your estimate.
Choose Home Purchase or Refinance to continue.
Step 2 of 3
Loan details
Enter the numbers for your loan. We'll calculate the loan amount and flag any program limits as you type.
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Enter the purchase price or appraised value
Down payment cannot exceed the purchase price
Enter the total loan amount
Enter the loan's interest rate
Required — must be today or a future date
🎖️ VA Guarantee Fee
Veterans with a service-connected disability rating of 10% or more are typically exempt.
Step 3 of 3
Property & insurance
A few last inputs for prepaids and impounds, then we'll total your estimated cash to close.
Please complete these before calculating:
Enter your annual homeowner's insurance premium
Enter your current policy expiration date
Estimated Cash to Close
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Lender Fees
Subtotal
Title & Escrow — Old Republic Title
Subtotal
Government / Recording
Subtotal
* Transfer tax shown for reference only — paid by seller, not included in your total
Prepaids & Escrow Impounds
Subtotal
Total closing costs
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Total cash to close
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Property tax impound months by closing month · CA semi-annual schedule (Dec 10 & Apr 10 due dates)
Per RESPA: months until next tax installment due + 2-month cushion − payments collected before due date. Highlighted is your closing month.
This estimate is for informational purposes only and is not a Loan Estimate or lending commitment.
Purchase fees use ORT California Rates — Area 1A (Sonoma, Marin & others), effective March 17, 2025 (form OR1506-DI-CA).
Refinance fees use ORT SimpleRate — California Area 1, effective March 17, 2025 (form OR3344-DI-CA-V2); flat $550 escrow, with notary, recording & outside signing fees additional.
Accrued interest runs from your closing date through the last day of the closing month (inclusive) on a 360-day year. Property tax impounds use the CA semi-annual schedule. Consult your loan officer for official disclosures.
Your next step
Let's lock these numbers in
This estimate gets you close. A quick call with Scott turns it into exact figures for your loan and property — with no surprises at the closing table.
An exact closing cost breakdown for your specific loan and property
How much you actually qualify for, calculated correctly
Conventional, FHA, VA and Jumbo compared side by side
Wholesale lender pricing not offered to the public
