Mortgage, intangible & recording taxes on the loan amount. Change the numbers and hit Calculate to see it work — on your live site it's branded to you and uses your state's exact rates.
Mortgage, intangible & recording taxes on the loan amount
We'll reach out shortly to set up your calculator.
Several states levy an intangible or mortgage tax on new financing, calculated on the loan amount rather than the price. This calculator returns that figure instantly so it's never missed or miscounted on a quote.
On your site it gives lenders and buyers a fast, accurate number for the financing-related taxes on their deal — one more reason partners send the file to you.
A tax charged on a new mortgage, calculated on the loan amount rather than the purchase price. Not every state has one, and the rate and rounding conventions vary.
No. With no mortgage recorded there is nothing for the tax to attach to.
Where the state levies it, generally yes on the new loan, sometimes with credit for tax already paid on the loan being replaced. The rules vary.
On the new loan amount, not the purchase price — which is exactly why a dedicated calculator helps avoid mistakes.
Yes. We configure the rate for your jurisdiction so the estimate matches your closings.
Ordinarily the borrower, as part of the cost of recording the mortgage, though as with most closing costs the contract can allocate it differently.
No, though they often appear together and get conflated. One is charged on the obligation to pay, the other on the security instrument. Some states levy both, some neither.
Intangible and mortgage-recording taxes are calculated on the amount financed. A cash buyer pays none of it, and two buyers at the same purchase price pay very different amounts depending on how much they borrow — which is why it cannot be estimated as a percentage of the sale.
A refinance has no sales price to anchor to, so this tax is routinely left out of an informal estimate and then appears on the statement.
Loan officers quote closing costs constantly and this is one of the lines they most often omit. A calculator that includes it makes you the title company whose numbers hold up.
Most jurisdictions that levy this tax round the loan amount up to a set increment before applying the rate. On a loan just above a threshold that rounding adds a charge the borrower's own arithmetic will not produce.
Modifying an existing mortgage, or assuming one, can trigger the tax on the new or increased amount rather than the whole balance. The rules are jurisdiction-specific and this is a line worth confirming rather than assuming.
Agents, lenders, buyers and sellers submit everything online, and each submission returns to the agency as a completed PDF ready for the file — no email tag, no retyping. Branded to the agency and mobile-friendly. These six are the most used of the eleven we build.
Clients upload a signed purchase contract and any addenda — you open the file and start title work right away.
Open form →Buyers complete intake online and you receive it as a PDF — or they download it to fill out by hand.
Open form →Sellers complete intake online and you receive a PDF — or download it to complete on paper.
Open form →Sellers and refinancers e-sign to authorize a payoff request — so net sheets are accurate and prior liens clear at closing.
Open form →Agents and lenders open a new file in one step — property, parties, lender, and closing date. No back-and-forth emails.
Open form →Clients upload IDs, payoffs, and sensitive documents through an encrypted portal.
Open form →No setup fee, no long-term contract, 60-day money-back guarantee. Full plan comparison →