Closing Cost Calculator for Texas

Closing Costs in Texas

Buyers in Texas typically pay around $3,700 in total closing costs. Texas has no state transfer tax, which is a significant advantage. However, title insurance rates in Texas are state-regulated and can be higher than in unregulated states. Survey fees are standard requirements in Texas.

What's Included in Texas Closing Costs?

• Transfer & recording taxes: Texas has no state transfer tax, which is a significant advantage. However, title insurance rates in Texas are state-regulated and can be higher than in unregulated states. Survey fees are standard requirements in Texas.
• Lender fees: Origination, underwriting, and processing fees — typically 0.5–1% of the loan amount regardless of state.
• Title insurance: Owner's and lender's policies, required in most Texas transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Texas typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $310,000 in Texas, a 10% down payment buyer would borrow around $279,000. The conforming loan limit is $726,200 — Most Texas counties are at the standard conforming limit. No Texas counties currently qualify for high-cost conforming limits, though Austin-Round Rock values approach the threshold.

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