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At some point during the process of closing on your new home, you’ll receive a stack of papers from your real estate title company. They’ll tell you it’s your title commitment, but here’s the question: do you know what that is and why you’ve received it?

A title commitment is the title company’s promise to issue a title insurance policy for the property after closing. The title commitment contains the same conditions, terms and exclusions that will be in the actual and final insurance policy.

For title agents, an essential part of the closing process is keeping you informed, and the title commitment is an important document that contains information specific to your transaction. So let’s have a look at the parts of your real estate title commitment. 

Schedule A:

The who, what, where, and how much. Schedule A discloses the seller (current property owner) and proposed insured (buyer), the title insurance amount (sales price), the lender and loan amount (if applicable), and the legal description.

Schedule B-I:

Schedule B-I are the requirements (to-do list) that must be cleared/satisfied in order to close and issue a policy covering the new owner and/or lender.

Schedule B-II:

This section notifies the lender and/or buyer of all the exceptions to coverage. These items will not be covered/insured in the title policy.

It’s important for all parties to review the real estate title commitment. If you ever have questions, make sure to call and speak with your title company so they can help you understand everything you need to know to have a smooth closing.


At Title Junction we care about helping you stay informed throughout your real estate transaction. Have questions? Give us a call at 239.415.6574.

In case you missed it, check out our last Title Junction post: What is a Limited Liability Corporation?

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