Title Pricing, Explained: What You Pay at Closing | Central Colorado Title & Escrow

The title & escrow side of your closing has two kinds of charges — title insurance premiums, set by underwriters, and closing fees, set by us. Both are filed with and approved by Colorado regulators before we can use them. Here’s the difference, and what real files look like.

Two kinds of charges

Title insurance premiums — set by the underwriterSet by our underwriters (First American, Westcor) and approved by the Colorado Division of Insurance. The owner’s policy protects your ownership, priced on the purchase price and paid once. The lender’s policy protects the loan, priced on the loan amount. Some loans also call for endorsements — small add-ons, priced the same way.
Closing & escrow fees — set by usA fixed bundle: one flat number per job, known on day one, covering the core closing work — document prep, signing, notarization, lender coordination, balancing, and disbursement. A few variable items scale with your file — tax certs, e-recording, release tracking, express mail.

Nickel-and-dime add-ons aren’t a thing here. Wire fees, security fees, payoff processing, FIRPTA reporting — all inside the fixed bundle. Our full fee schedule fits on one page; we’ll show it to anyone who asks.

Four example closings — the title & escrow side

Purchase — financedBundled closing fee (represented) $400, concurrent loan package $400, and about $65 in typical variables (tax cert, e-recording, release tracking) — roughly $865 in closing fees, plus owner’s & lender’s policy premiums quoted per file.
Purchase — cashBundled closing fee (represented) $400, no loan fee, and about $30 in typical variables — roughly $430 in closing fees, plus the owner’s policy premium quoted per file.
FSBO — for sale by ownerBundled closing fee (unrepresented) $650, no loan fee, and about $30 in typical variables — roughly $680 in closing fees, plus the owner’s policy premium. Without agents we carry more of the coordination, and the fee reflects it.
RefinanceBundled loan package (refinance) $400, no sale fee, and about $65 in typical variables — roughly $465 in closing fees, plus the lender’s policy premium on the new loan amount. Ask about reduced refi rates.

Common questions

Why are there two different kinds of charges?

Title insurance premiums are set by the underwriters and approved by the Colorado Division of Insurance; closing and escrow fees are set by us and also filed with the state. Premiums cover the insurance on your title; closing fees cover the work of getting you to the table.

Are there hidden add-on fees?

No. Wire fees, security fees, payoff processing, and FIRPTA reporting are all inside the fixed closing bundle. A few items — like tax certs, e-recording, and release tracking — vary with your file, but the full fee schedule fits on one page and we’ll show it to anyone who asks.

Why does a FSBO cost more than an agented sale?

Without agents on the file, we carry more of the coordination, so the unrepresented bundled closing fee ($650) is higher than the represented one ($400). It reflects the added work, not an upcharge.

How do I get exact numbers for my file?

Ask — we’ll work up a quote for your specific transaction. Premiums are quoted per file on the state-approved rates, and we’ll lay out the closing fees alongside them.

Closing fees per the MWE fee schedule effective April 6, 2026 (applies to new orders); variables shown are typical, not guaranteed. Example closings are hypothetical and representative — actual charges vary with your transaction, and costs are often split between buyer and seller. Title insurance premiums are set by underwriters, approved by the Colorado Division of Insurance, and quoted per transaction; our e-recording fee is a processing charge, and government recording fees and any transfer taxes are county charges billed separately. Policies underwritten through First American and Westcor (WLTIC). Educational only — not legal or tax advice. As of August 2026.