Verified rates
Every rate checked against the law.
TitleMagic Quotes prices transfer, deed and mortgage taxes from the statute or the state revenue department's own publication, and keeps the citation with every number. Where we have not confirmed a tax, the quote says “not included” instead of guessing.
Why we check every state
We started from a rate list put together from general web sources. Before any number went into TitleMagic Quotes, we checked it, state by state, against the statute text or the state revenue department's own page. In more than 20 states the starting list was wrong or incomplete. Here are some of the differences, on one example sale of $300,000 with a $240,000 loan.
These are findings about our own starting list, not about any other company's calculator. They show why we do not trust a compiled list, ours included.
| State | Our starting list said | The law says | Difference on this sale |
|---|---|---|---|
| Tennessee | No transfer tax and no mortgage tax | $0.37 per $100 on the deed, plus 11.5¢ per $100 on the loan after the first $2,000T.C.A. 67-4-409 (Tennessee Dept. of Revenue manual) | $1,383.70left out |
| Alabama | No transfer tax and no mortgage tax | $0.50 per $500 on the deed, $0.15 per $100 on the mortgageCode of Alabama 40-22-1, 40-22-2 (Dept. of Revenue) | $660left out |
| Oklahoma | No transfer tax and no mortgage tax | $0.75 per $500 documentary stamps on the deed, $0.10 per $100 mortgage registration tax68 O.S. 3201 and 1904 | $690left out |
| Nebraska | $2.30 per $1,000 | $3.32 per $1,000 (falls to $2.32 in 2032)Neb. Rev. Stat. 76-901 | $306too low |
| Rhode Island | $2.30 per $500 (the rate before October 2025) | $3.75 per $500 since October 1, 2025R.I. Gen. Laws 44-25-1 | $870too low |
| Colorado | No state charge | Documentary fee of 1¢ per $100 (and some cities, such as Aspen, add their own transfer taxes)C.R.S. 39-13-102 | $30left out |
| Philadelphia, PA | 3.278% city transfer tax | 3.578% since July 1, 2025 (4.578% with the 1% state tax)City of Philadelphia notice, July 2025 | $900too low |
Figures are for this one example and come from the same rules the quotes use. Actual taxes depend on the county, the city, the type of property and who pays; these are estimates, not legal or tax advice.
A source for every number
Each tax rule carries its statute section or revenue-department page and the date it was read. Ask us where any number came from and we will send the citation.
No guessing
We do not use competitor calculators, blogs or AI summaries as a source. If we could not confirm a tax from the law, it is left out of the quote and marked "not included", on the screen and in the PDF.
We say what is missing
Local taxes set by a city or county are entered by the agency unless we list them. Where a rate changes on a known date, we keep a reminder so it is updated.
What is covered today
- 35 of 51 states and DC have their transfer and recording taxes built in from the law (Florida runs on its own engine).
- 14 states (Montana and North Dakota) are confirmed to have no transfer tax, from a sentence in the state constitution.
- 2 states are not confirmed yet. A quote there shows the transfer and mortgage tax lines as “not included” so you can add your own.
We keep working through the rest and publish nothing we have not read. The mortgage-tax side is less complete than the transfer-tax side; where it is not confirmed, the quote says so.
Try it on your own numbers
Add your rates, check them against your own examples, and publish a closing cost calculator for your site.
Get TitleMagic Quotes