- 37 - REAL ESTATE LAWS & CUSTOMS BY STATE ©2025 Fidelity National Title Insurance Company (08/25) NORTH DAKOTA Title Insurance Rates Filed Form of Conveyance Warranty Deed State Encumbrance Forms Mortgage; Deed of Trust (rare) Customary Closing Entity Title or escrow company; lender; attorney Commitment Issued? Duration? Yes. 6 months. When is Invoice Issued? With Commitment Deed Transfer Tax? No Mortgage Tax? No Leasehold Tax? No CUSTOMARY FEE SPLITS Owner’s Policy Premium Buyer pays Loan Policy Premium Buyer pays Title Search & Examination Seller pays Survey Charges Buyer pays; sometimes negotiated Deed Transfer Tax Not applicable Mortgage Tax Not applicable Closing Fees Buyer pays Recording Fees Buyer customarily pays to record new mortgage. Seller pays to record documents to transfer ownership and remove encumbrances.
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