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 state regulators before we can use them. Here’s the difference, and what real files look like.
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.
| Scenario | Bundled | Loan pkg | Variables | ≈ Fees | Premiums |
|---|---|---|---|---|---|
| Purchase — financed | $400 represented | $400 | ~$65 | ~$865 | Owner’s + lender’s |
| Purchase — cash | $400 represented | — | ~$30 | ~$430 | Owner’s |
| FSBO — for sale by owner | $650 unrepresented | — | ~$30 | ~$680 | Owner’s |
| Refinance | — | $400 refi | ~$65 | ~$465 | Lender’s |
Policy premiums are quoted per file and sit on top of the closing fees above. Variables are typical, not fixed — tax cert, e-recording, release tracking, express mail. FSBO carries the unrepresented fee because without agents we carry more of the coordination. Ask about reduced refinance rates.
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.
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.
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.
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.
