- 38 - REAL ESTATE LAWS & CUSTOMS BY STATE ©2025 Fidelity National Title Insurance Company (08/25) OHIO Title Insurance Rates Title insurance rates are filed and approved by the Ohio Department of Insurance. Form of Conveyance Warranty Deed, Limited Warranty Deed, Fiduciary Deed, Quitclaim Deed with approval of Underwriting Counsel. State Encumbrance Forms Mortgage Customary Closing Entity Title or escrow company; title agent; others Commitment Issued? Duration? Yes. 180 days. When is Invoice Issued? With Commitment Deed Transfer Tax? Yes, Real Property Conveyance Tax Mortgage Tax? No Leasehold Tax? No CUSTOMARY FEE SPLITS Owner’s Policy Premium Negotiable; usually divided equally Loan Policy Premium Buyer pays Title Search & Examination Seller pays Survey Charges Buyer pays; sometimes negotiated Deed Transfer Tax Seller pays Mortgage Tax Not applicable Closing Fees Negotiable; usually divided equally Recording Fees Buyer pays to record Deed and Mortgage Seller pays to record documents to remove encumbrances
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