If by an owners title "policy", you mean a title insurance policy, that is not true. An owners title insurance policy is optional and must be purchased separately from a title insurance company. The state transfer taxes are state taxes and they have nothing to do with title insurance.

Negotiable, everything in a real estate sale is negotiable. Agents won't tell you this because the brokers teach them how the broker benefits( many real estate firms are connected to title companies). But know your rights before signing. I am amazed at the things I have seen and heard down here that if said or done in Mi.would have landed me in court with huge fines and loss of license.

Remember, you will pay interest on those closing costs though for the life of your loan.

Only true if closing costs are part of the loan.

What? If you are buying a new home from The Villages, the price, closing date, and who pays the closing costs are not subject to negotiation, at least on a cash sale. You either take it or leave it.