The bond part is right in most places. Escrow means you hold other people's money, so states and underwriters generally require a fidelity bond and a surety bond on top of your errors and omissions coverage, and the amounts are set by state rule and by your underwriter's agency agreement. Confirm both with your state insurance department and the underwriter in writing, because these requirements differ by state and a few states run attorney-conducted closings where the whole setup looks different.
Rough shape of the recurring stack for one person. Closing and escrow software like SoftPro, RamQuest or Qualia commonly prices per seat or per file, often somewhere between $100 and $400 a month for a single user, sometimes with a per-closing charge on top. E&O for a small agency frequently starts in the low thousands a year and climbs with revenue and coverage limits. Add crime and cyber coverage, which is not optional in practice given wire fraud. Add search data or title plant access, which in some counties is a subscription and in others is priced per pull.
The one-time side, licensing exam and fee, fingerprints, prelicense hours where required, is usually small next to that monthly base.
One thing nobody mentions until it happens: your escrow trust account needs three-way reconciliation on a regular cycle, and underwriters audit for it. Either you're doing that yourself every day or you're paying a bookkeeper who knows title, and that's a line item from month one rather than month twelve.
