Texas closing cost calculator

Typical Texas home value, September 2026: $296,424 (Zillow Home Value Index). We round that to $296,000. With $59,200 down, your loan amount is $236,800. The buyer's closing costs total $6,779, about 2.3% of the price. Your down payment and closing costs combine to produce $65,979 in cash needed to close.

A couple of items on the list may be unfamiliar. The lender's work to set up your loan is covered by the origination charge. Loan interest from your closing date through the end of that month is prepaid interest, which is due up front.

Add your price and down payment to view an estimate; some costs may not change.

Mostly, the price determines it. For every home type combined in Texas, typical values in September 2026 ran from $180,302 in the cheaper third to $524,354 in the pricier third. Buyer closing costs ranged from $4,452 to $11,529 when the down payment was 20%.

For a $400,000 home with 20% down, closing costs in Texas come to $8,372 for the buyer. The median is $7,850 across all 50 states and DC, which means a Texas buyer pays $522 more.

If a problem later affects who owns the home, title insurance steps in. The Texas Department of Insurance determines the basic premium. Coverage worth $100,000 has a premium of $780, while coverage up to $25,000 costs $308. For coverage over $100,000, premiums rise with the home's price; an owner's policy for a typical $296,000 home costs $1,748.

Once a home is theirs, Texas homeowners also begin paying property tax. Owner-occupied homes have a median bill of $4,232 per year. According to US Census figures, the amount equals about 1.49% of median home value.

A Michigan Bar Journal article reports that Texas is among the states where an attorney isn't legally required at a real estate closing. Because our total leaves out the recording fee charged by your county, expect your final bill to be higher.

Before commission and any mortgage payoff, our data lists no closing-cost lines for a Texas seller. The state has no transfer tax, and its figures include no seller-side fees. For a $400,000 sale, the calculator lists Texas seller costs of $0 before commission and mortgage payoff, compared with the $440 median across states.

To estimate what you will keep from a sale, enter the commission rate you agreed on and account for any mortgage payoff.

Texas doesn't establish a standard commission rate. Redfin reports that a buyer's agent commission averages 2.42% of the price nationally, though the figure that matters is the one in your agreement. Enter your agreed rate in the calculator, and it will add the commission to your total.

The calculator uses the same sale price you enter when buying to calculate seller figures.

1. Enter the sale price, because all the figures are based on it. 2. Enter the commission rate from your agreement because the calculator does not add it by itself. 3. Review the seller total, then deduct it and the mortgage payoff from the sale price for your proceeds. Complete this calculation before listing or signing.