Texas Closing Cost Calculator 2026

Texas Closing Cost Overview

Texas closing costs average $6,300 on a median-priced home of $252,100. This represents 2.5% of the purchase price. Texas ranks near average among all states for closing cost burden.

• Average closing costs: $6,300
• As % of home price: 2.5%
• Median home value: $252,100
• Who typically pays: Buyer pays most fees; seller pays transfer tax and realtor commissions in Texas

Texas Closing Cost Breakdown

• Lender origination fee: 0.5-1% of loan amount
• Appraisal: $300-$600
• Title insurance (lender): $500-$1,500
• Title search: $200-$400
• Attorney fees: $500-$1,500 (required in some {state} transactions)
• Recording fee: $25-$150
• Survey: $200-$500
• Inspection: $300-$500
• Transfer tax: Typically paid by seller in Texas — $1-$2 per $1,000 of sale price
• Prepaid items: Property tax escrow + homeowner's insurance (2-6 months upfront)

How to Reduce Texas Closing Costs

• Shop lenders: Closing costs vary 30-50% between lenders. Get at least 3 Loan Estimates.
• Negotiate: Ask the seller to cover up to up to 6% in closing costs (seller concessions).
• Lender credits: Accept a slightly higher rate in exchange for lower upfront fees (good if you plan to refinance).
• Compare title insurance: You can shop for title insurance — don't just accept the lender's provider.
• Close at month-end: Reduces prepaid interest — can save $500-$1,000.
• Negotiate realtor commission: Post-NAR settlement (2025), commissions are negotiable and not automatically paid by seller.

Texas-Specific Closing Cost Rules

• No state income tax: Property taxes are higher to compensate
• Seller pays title insurance: Customary in most Texas markets
• Option fee: $100-$500 for exclusive right to terminate during option period