Michigan Closing Cost Calculator 2026
Estimate title insurance, recording fees, and escrow costs for Michigan residential purchases using fixed-tier rates.
Closing Cost Calculator
Michigan • Instant Estimate
Estimate based on current Michigan rates. Does not include property taxes, HOA fees, or lender-specific charges. Consult a licensed professional for exact figures.
Example: Closing Costs for a $400,000 Property in 2026
For a $400,000 Michigan purchase, title insurance falls in the "up to $400k" tier at $1,800, plus affordable $500 escrow and $60 recording fees.
Michigan Title Insurance Fixed Tiers — 2026
| Purchase Price | Title Insurance Premium |
|---|---|
| Up to $200,000 | $1,200 |
| Up to $300,000 | $1,500 |
| Up to $400,000 | $1,800 |
| Over $400,000 | $2,200 |
Michigan Closing Cost FAQ
How much is title insurance in Michigan?
Michigan uses fixed tiers: $1,200 (up to $200k), $1,500 ($300k), $1,800 ($400k), and $2,200 (over $400k).
Who pays closing costs in Michigan?
The buyer pays title insurance, recording, and escrow. The seller pays state ($7.50/k) and county ($1.10/k) transfer taxes.
What are typical escrow fees?
Michigan escrow fees average approximately $500 — among the most affordable in the country.