- 24 - REAL ESTATE LAWS & CUSTOMS BY STATE ©2025 Fidelity National Title Insurance Company (08/25) MASSACHUSETTS Title Insurance Rates Not Filed Form of Conveyance Quitclaim Deed State Encumbrance Forms Mortgage Customary Closing Entity Attorney Commitment Issued? Duration? Upon request. Terminates if Schedule B, Part 1 requirements not met within 180 days after Commitment date. When is Invoice Issued? At closing or upon cancellation of the transaction/order. Deed Transfer Tax? Yes. Deed Excise Tax. Notes: Martha’s Vineyard and Nantucket County impose additional transfer fee. Barnstable County is calculated at a different rate. Mortgage Tax? No Leasehold Tax? Yes as to long term leases. See MA DOR Letter Ruling 79-52. CUSTOMARY FEE SPLITS Owner’s Policy Premium Buyer pays Loan Policy Premium Buyer pays Title Search & Examination Buyer pays, except for parts of Worcester County Survey Charges Buyer pays Deed Transfer Tax Seller Pays Mortgage Tax Not applicable Closing Fees Buyer pays; can be negotiated Recording Fees Buyer pays to record Deed and Mortgage. Seller pays to record documents that remove encumbrances and Seller authority documents.
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