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Built for Tennessee closings
If you run a title agency, escrow company or real estate law practice in Tennessee and need a website built — or your current one rebuilt — this page covers what we build into a Tennessee title company website, the calculators and forms that come with it, and what it costs. Every site we design is built for the title industry only, and every Tennessee build starts from the rules below.
Tennessee title insurance rates are filed with the Department of Commerce and Insurance by each underwriter, and closings are conducted by title companies, with attorneys involved in some markets. Two taxes are collected by the register of deeds at recording: a transfer tax on the consideration, which Tennessee custom puts on the buyer, and a mortgage tax on the amount financed above a small exemption. The buyer also customarily pays for the owner’s policy.
That puts more of the closing cost on the buyer’s side than in most states, and it makes the buyer cash-to-close the number a Tennessee lender and agent check first. Middle Tennessee — Davidson, Williamson, Rutherford, Wilson, Sumner — has been among the fastest-growing regions in the country, fed by relocation buyers who research everything online before they arrive.
- Filed premium rates configured to your underwriter
- Transfer tax computed on the consideration, charged to the buyer
- Mortgage tax computed on the loan above the exemption
- Register of deeds fees by county
- Local SEO for Nashville and its ring counties, Memphis, Knoxville, Chattanooga and Clarksville
- Buyer cash-to-close that reflects what Tennessee buyers actually pay
Calculators built for Tennessee, fitted to your site
This is the part we specialize in. Every calculator we put on a Tennessee title website is configured to Tennessee’s own numbers — filed premium schedules, the transfer tax Tennessee puts on the buyer, the mortgage tax measured on the loan, register of deeds fees by county, and the buyer-pays-owner's custom — not a national average with the state name swapped in. We build each one to match your branding and drop it into your site’s layout, so it looks like it was always there, not like a widget bolted on.
Pick the tools that fit how you close in Tennessee. Here are the six we recommend most for Tennessee agencies; there are fourteen in total.
Title Insurance Calculator
Owner's & lender's premiums at Tennessee'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 →Tennessee-specific from day one
Transfer tax on the buyer
Tennessee puts the transfer tax on the buyer, not the seller. The cash-to-close carries it; the net sheet does not.
Mortgage tax on the loan
A separate tax on the amount financed, collected at recording. It belongs on every financed estimate.
Middle, West and East
Nashville and its ring counties, Memphis, Knoxville, Chattanooga. Each gets its own page.
Forms that do the back-and-forth for you
Built into your Tennessee site so agents, lenders, buyers and sellers submit everything online — no email tag, no paper chase. Every submission comes back to you as a completed PDF, ready to drop into the file in whatever title software you use. Branded to you and mobile-friendly. These six are the ones Tennessee agencies use most; there are 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 →The buyer’s side is the heavy side in Tennessee
A Tennessee buyer pays the transfer tax, the mortgage tax and the owner’s premium, in addition to the lender’s policy and the usual loan costs. A buyer relocating from Georgia or Illinois, where the seller pays much of that, is surprised by the cash-to-close on the Loan Estimate, and the lender is the one who has to explain it.
A buyer cash-to-close calculator on your site that carries the transfer tax on the price, the mortgage tax on the loan, and the owner’s premium at your filed rate resolves that conversation before it starts — and gets your agency named on the file, because the lender used your tool. The seller net sheet is correspondingly light, and a net sheet that charges the seller a transfer tax they do not owe understates what the seller walks away with.
We build both to Tennessee’s customs, with a switch for negotiated deals, and keep the tax rates current.
Nashville is a relocation market, and its ring counties are the story
Davidson County is the metro’s center, but the growth has been in Williamson, Rutherford, Wilson and Sumner, and the buyers who moved there searched for how Tennessee closings work, what closing costs look like and what a title company does before they had an agent. A page for each of those counties, written for that county rather than duplicated, is what they and the agents bringing them find.
Shelby County and Memphis are a different market with a heavy investor component and agents who work across the line into DeSoto County, Mississippi. Knox County and Knoxville, Hamilton and Chattanooga, Montgomery and Clarksville each have their own institutions and their own search behavior.
Each gets a page, with the calculators configured to its register of deeds and the same order form throughout.
One flat monthly fee, no contracts
Add-Ons & Widgets
- Title & closing-cost calculators at Tennessee 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
Cancel anytime, 60-day money-back guarantee. See everything each plan includes →
Tennessee title website questions
Who pays the transfer tax in Tennessee?
The buyer, by custom. Tennessee’s transfer tax is computed on the consideration and collected by the register of deeds at recording. Our buyer cash-to-close includes it and the seller net sheet does not.
What is the Tennessee mortgage tax?
A tax on the amount financed above a small exemption, collected when the deed of trust is recorded. It is paid by the borrower, and our calculators include it on every financed estimate.
Who pays for the owner's policy in Tennessee?
The buyer customarily pays for the owner’s and lender’s policies. The calculators default to that and can be changed per deal.
How are Tennessee title rates regulated?
Each underwriter files its rates with the Tennessee Department of Commerce and Insurance. Premiums differ between underwriters, so the calculators are configured to yours.
Can you build separate pages for Williamson, Rutherford and the other ring counties?
Yes. Each county you close in gets its own page, written for that county, alongside Davidson, Shelby, Knox, Hamilton and Montgomery.
Can a Memphis agency's site price DeSoto County, Mississippi closings?
Yes. For Memphis agencies we add a Mississippi-configured calculator alongside the Tennessee one so the same site prices closings on either side of the state line.
How much does a title company website cost in Tennessee?
Adding the Tennessee calculators and online forms to a site you already have is $75 a month. A custom 25-page title company website with every calculator, forms, hosting and local SEO is $150 a month; a 50-page build with monthly content and ads management is $399. No setup fee and no long-term contract.
Can you rebuild our existing Tennessee title agency website?
Yes. Most of our Tennessee builds replace an older site. We migrate your content, keep your URLs so you do not lose rankings, add the Tennessee-configured calculators and forms, and launch on secure, ADA-compliant hosting. If you would rather keep your current site, the Add-Ons plan places the tools on it without a rebuild.
Transfer tax and mortgage tax under Tenn. Code Ann. § 67-4-409. Verify current rates, register of deeds fees and filed premiums before relying on any figure.
Related pages
Title company website design →
Our core white-glove website service for title agencies.
Title insurance calculators →
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Title company SEO →
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