Get a Title Quote for Your Closing

You're under contract — or close to it — and you need real numbers. Not ballpark estimates from a random blog. Actual line items for your specific transaction.

Pruitt Title makes it easy. Use the TitleCapture tool below to get your complete title and settlement fee estimate in minutes.

→ Get Your Title Quote Now

Same business day response. No obligation. Virginia, Maryland, and DC transactions welcome.

What's Included in Your Quote

When you submit your property details, here's what you'll get back:

• Owner's title insurance premium — one-time protection for you as the buyer (or seller, depending on jurisdiction)
• Lender's title insurance premium — required by your mortgage lender if you're financing
• Settlement fee — Pruitt Title's professional fee for coordinating and conducting the closing
• Recording fees — charged by the county or city to record the deed and deed of trust in the public record
• Transfer taxes — state and local taxes on the transfer of ownership (rates vary significantly by jurisdiction)

Your quote will reflect the actual jurisdiction — Virginia, Maryland, or DC — with applicable filed rates and local tax structures. No one-size-fits-all estimates.

This matters more than most buyers realize.

Virginia title insurance rates are filed with the State Corporation Commission (SCC). Every title company in Virginia charges the same premium for the same purchase price — no shopping around on the insurance itself. Where you can save is on the settlement fee and service quality.

Maryland has a different cost structure entirely. Montgomery County (which includes Bethesda, Chevy Chase, and Silver Spring) charges recordation taxes and transfer taxes at different rates than Prince George's County. The numbers change depending on where your property is located. See our Maryland closing costs guide for the full breakdown.

DC title insurance and settlement fees operate under their own rules. If your transaction is in the District, make sure your quote tool is configured for DC — not Virginia or Maryland rates.

For Virginia-specific costs, see our Virginia closing costs guide.

Virginia title insurance rates are *filed* with the State Corporation Commission. That means every licensed title company in the state charges the same premium for the same transaction value — the rate isn't negotiable. What differs between companies is their settlement fee, their service, and how smoothly they run the closing. Learn more about what lender's title insurance covers.

What's the difference between a lender's policy and an owner's policy?

A lender's title insurance policy protects your mortgage lender — not you. It's required by virtually every lender and covers the loan amount. An owner's policy protects *you* as the buyer, covering the full purchase price. If you're financing a home purchase, you'll typically have both. If you're paying cash, the lender's policy isn't required, but the owner's policy is strongly recommended.

Can I get a quote before I'm under contract?

Yes. If you have a purchase price and address in mind, you can run a quote to plan your closing costs before you're officially under contract. This is especially useful for first-time buyers trying to understand total cash needed at settlement.

Can Pruitt Title quote a refinance?

Absolutely. Refinance title costs are different from purchase costs — you won't need an owner's policy (you already own the property), and the lender's policy is on the new loan amount. Refinance quotes typically come in lower than purchase transactions as a result.

What if my transaction is in Maryland or DC?

Use the same TitleCapture link. The tool accommodates Virginia, Maryland, and DC transactions. Select your jurisdiction and property type when you fill out the form.

→ Get Your Title Quote Now