25% down payment removes the requirement for MIP (Mortgage Insurance Premiem) and has nothing to do with IT or Title Insurance. TCs or Title Companies issue TI. TI is used to guarantee that you get a clean title. If any body else challenges validity of the title transfer or there is any unpaid liens/assessment, the TC will cover the cost.
99.999% of time, TI is useless since a lot of prelimanary title search was done thoroughly, which left almost no chance for any defects on the title. As results, TC collect title insurance fee without paying anything back. All insurance companies are the same in nature.
However TI gives you a peace of mind. If you finance your purchase, Mortgage companies takes TI as a must to have. If you purchase the property with cash, you may waive the TI. The most people still want TI regardless to get a peace of mind.
