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Built for Minnesota closings
Looking for a website for your Minnesota title company, escrow company or real estate closing practice? Below is what goes into a Minnesota title website from us — the state-specific calculators, the intake forms, the local pages — and what it costs each month. Title companies are the only clients we build for, so the Minnesota rules below are where every design begins.
Minnesota title insurance rates are filed with the Department of Commerce by each underwriter, and closings are conducted by licensed closers at title companies and closing firms. The state charges two transaction taxes that fall on opposite sides of the table: a deed tax on the consideration paid by the seller, and a mortgage registry tax on the amount secured paid by the buyer, with an additional surcharge on both in Hennepin and Ramsey counties.
Minnesota also has two kinds of land. Abstract property is recorded with the county recorder; Torrens property is registered with the county registrar of titles under a certificate system, and a large share of the Twin Cities metro is Torrens. The documents, the fees and the examination differ, and a site that knows the difference reads as local.
- Filed premium rates configured to your underwriter
- Deed tax on the seller and mortgage registry tax on the buyer, with metro surcharges
- Recorder and registrar of titles fees by county
- Abstract and Torrens handled in intake and fee tables
- Local SEO for Minneapolis, St. Paul, the metro suburbs, Rochester and Duluth
- Seller net sheets and buyer cash-to-close that put each tax on the right side
Calculators built for Minnesota, fitted to your site
No two states price a closing the same way, so we never ship a generic calculator. For Minnesota that means tools built on filed premium schedules, the deed tax the seller pays and the mortgage registry tax the buyer pays, the metro-county surcharges, recorder and registrar fees, and the abstract-or-Torrens distinction that changes the documents, each designed in your colors and set into your site so an agent or lender sees your agency, not a third-party tool.
You choose which calculators go on the site. The six below are the ones Minnesota closers use most; all fourteen are available on any plan.
Title Insurance Calculator
Owner's & lender's premiums at Minnesota's filed rates.
Open calculator →Closing Cost Calculator
Full buyer/seller breakdown — title, taxes, recording, and settlement fees.
Open calculator →Transfer Tax Calculator
State & county transfer taxes and stamps, by location.
Open calculator →Mortgage / Recordation Tax
Mortgage, intangible, and recording taxes calculated on the loan amount.
Open calculator →Seller Net Sheet
What the seller walks away with after commission, payoff & closing costs.
Open calculator →Buyer Cash-to-Close
Everything a buyer needs at the table — down payment, prepaids, and closing costs.
Open calculator →Minnesota-specific from day one
Two taxes, two sides
Minnesota’s deed tax falls on the seller and its mortgage registry tax on the buyer, with surcharges in Hennepin and Ramsey. Each estimate carries its own.
Abstract or Torrens
Much of the metro is Torrens property registered with the county registrar. The site explains it and the fee tables follow it.
Licensed closers
Minnesota closers are licensed by the Department of Commerce. The site is built for the closing company and the title agency alike.
Forms that do the back-and-forth for you
Every Minnesota build includes online intake: the order form, the contract upload and the buyer and seller sheets are on your site, branded to you, and each one lands in your inbox as a completed PDF ready for the file. No retyping and no chasing signatures by email. These are the six Minnesota agencies rely on most, out of eleven in total.
Submit a Contract
Clients upload a signed purchase contract and any addenda — you open the file and start title work right away.
Open form →Buyer Information Sheet
Buyers complete intake online and you receive it as a PDF — or they download it to fill out by hand.
Open form →Seller Information Sheet
Sellers complete intake online and you receive a PDF — or download it to complete on paper.
Open form →Payoff Authorization
Sellers and refinancers e-sign to authorize a payoff request — so net sheets are accurate and prior liens clear at closing.
Open form →Open a Title Order
Agents and lenders open a new file in one step — property, parties, lender, and closing date. No back-and-forth emails.
Open form →Secure Document Upload
Clients upload IDs, payoffs, and sensitive documents through an encrypted portal.
Open form →Deed tax here, mortgage registry tax there
Most states with a transaction tax have one and put it on one side. Minnesota has two and splits them by kind: the seller pays the deed tax, measured on the price, when the deed is recorded; the buyer pays the mortgage registry tax, measured on the loan, when the mortgage is recorded. Hennepin and Ramsey add a small environmental surcharge to each.
A seller net sheet that carries the deed tax and not the mortgage tax, and a buyer cash-to-close that carries the mortgage tax and not the deed tax, is the correct result, and it is exactly what a generic calculator gets wrong in both directions. We compute each tax on its own base, apply the metro surcharge where it applies, and put each on the side of the statement where Minnesota puts it.
That, plus the customary buyer-pays-owner’s-policy default, gives an agent an estimate they can send a client without a caveat.
Torrens is normal here, and the site should treat it that way
Minnesota registered land under the Torrens system more broadly than almost any other state, and much of Hennepin, Ramsey and the inner suburbs is Torrens property with a certificate of title held by the county registrar. Buyers moving in from anywhere else have never heard of it; lenders from elsewhere ask what a certificate of title is; the closing documents differ from abstract property.
A page that explains abstract versus Torrens in plain language, an order form that asks which the property is, and fee tables that apply the registrar’s fees to Torrens and the recorder’s to abstract are what make a Twin Cities agent believe the site was built by someone who closes here.
Outstate is different. Rochester, Duluth, St. Cloud and Mankato are largely abstract markets with their own agents, and each gets a page written for it, with the same calculators and the same order form throughout.
One flat monthly fee, no contracts
Add-Ons & Widgets
- Title & closing-cost calculators at Minnesota rates
- Seller net sheet calculator
- Online forms & “Order Title” intake
- Branded to your company
Grow
- Custom 25-page website, content migrated
- All 14 calculators, forms & order intake
- Location pages for your counties
- Secure ADA-compliant hosting & local SEO
Dominate
- Everything in Grow, on a 50-page site
- 2 monthly blog posts & Google review automation
- Google & Facebook ads management
- CRM, online payments & priority support
Month to month, cancel anytime, backed by a 60-day money-back guarantee. Compare the three plans in detail →
Minnesota title website questions
What transaction taxes does Minnesota charge?
A deed tax on the consideration, paid by the seller, and a mortgage registry tax on the amount secured, paid by the buyer, with a small additional surcharge on each in Hennepin and Ramsey counties. Our calculators put each on the correct side.
What is the difference between abstract and Torrens property?
Abstract property is recorded with the county recorder; Torrens property is registered with the county registrar of titles under a certificate system. Much of the Twin Cities is Torrens. Our site explains the difference and the fee tables follow it.
Who pays for the owner's policy in Minnesota?
The buyer customarily pays for the owner’s and lender’s policies, while the seller typically furnishes the title commitment or abstract. The calculators default to that custom.
How are Minnesota title rates regulated?
Each underwriter files its rates with the Minnesota Department of Commerce. Premiums differ between underwriters, so the calculators are configured to yours.
Who conducts closings in Minnesota?
Licensed closers at title companies and closing firms, licensed by the Department of Commerce. The site fits both.
Which Minnesota markets can you target?
Minneapolis, St. Paul and each metro county, plus Rochester, Duluth, St. Cloud, Mankato and any other county you serve, each with its own page.
What are your prices for Minnesota title companies?
$75 a month for calculators and forms added to your current site, $150 a month for a full custom 25-page Minnesota title website with hosting and local SEO, or $399 a month for the 50-page plan with monthly content and ads. All plans are month to month with no setup fee.
Do you redesign existing title company sites in Minnesota?
We do. A redesign keeps what works — your content, your URLs and the rankings attached to them — and replaces the rest with a site built for Minnesota closings: state-configured calculators, online intake, county pages and secure hosting. Agencies that prefer to keep their current site can add the calculators and forms alone on the Add-Ons plan.
Deed tax under Minn. Stat. Chapter 287 (§ 287.21); mortgage registry tax under § 287.035. Verify current rates, surcharges and filed premiums before relying on any figure.
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