Skip to main content

About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Why is the title insurance premium on the Loan Estimate and Closing Disclosure different from the premium listed on the paperwork I received from the title insurance company? Am I being charged more?


You're not necessarily being charged more if the amounts on your loan forms are different from your title insurance paperwork. 

The Loan Estimate and Closing Disclosure are forms that went into effect on Oct. 3, 2015.

Depending on the state where you are buying your home, your title insurance company may give you an itemized list of fees at closing. The itemized list of fees required under state law may be displayed differently than the same fees on the Loan Estimate or on the Closing Disclosure. That does not necessarily mean you are being charged more. If you add up all the title-related costs your title insurance company gives you, it should match the totals of all the title-related costs you see on the Loan Estimate or on the Closing Disclosure. When comparing costs for title insurance, make sure to compare the bottom line total.

Note: You should have not received a Loan Estimate or Closing Disclosure if you applied for a mortgage or reverse mortgage prior to Oct. 3, 2015. For those loans, you will receive two forms — a Good Faith Estimate (GFE) and an initial Truth-in-Lending disclosure — instead of a Loan Estimate. Instead of a Closing Disclosure, you will receive a final Truth in Lending disclosure and a HUD -1 Settlement Statement. If you are applying for a HELOC, a manufactured housing loan that is not secured by real estate, or a loan through certain types of homebuyer assistance programs, you will not receive a GFE or a Loan Estimate, but you should receive a Truth-in-Lending disclosure.

Was this page helpful to you?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.