Texas closing cost calculator

Texas buyers pay no transfer or mortgage tax. When the lender’s title policy is issued with the owner’s, it costs a flat $100, plus endorsements.

Texas’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Texas: No state transfer tax. Owner’s title is usually paid by the seller.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $68,541

1.8%closing costs

Purchase price$315,000
Down payment (20%)$63,000
- Loan amount$252,000
Loan costs+$3,220
- Origination and lender feesest.+$2,520
- Appraisalest.+$700
Title and closing+$950
- Lender’s title insurance+$100
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$2,917
- Property tax credit from the sellerest.−$2,917
Prepaids and escrow+$3,838
- Homeowner’s insurance, first yearest.+$1,575
- Prepaid interest (27 days)est.+$1,212
- Property tax escrow (3 months)est.+$788
- Insurance escrow (2 months)est.+$263
Other costs+$450
- Home inspectionest.+$450
Cash to close$68,541

Estimated monthly payment$1,987

Principal and interest$1,593
Mortgage insurance$0
Property taxes$263
Insurance$131
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

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A Texas purchase, worked out

The calculator opens on $315,000, about the median value of an owner-occupied home in Texas ($313,200, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $68,541: $63,000 down and $5,541 in closing costs, 1.8% of the price. Texas charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $1,987, with property tax and insurance.

Cash to close on $315,000, 20% down
Down payment	$63,000
Origination and lender feesest.	+$2,520
Appraisalest.	+$700
Lender’s title insurance	+$100
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,917
Homeowner’s insurance, first yearest.	+$1,575
Prepaid interest (27 days)est.	+$1,212
Property tax escrow (3 months)est.	+$788
Insurance escrow (2 months)est.	+$263
Home inspectionest.	+$450
Cash to close	$68,541

Estimates are tagged “est.”; Texas’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

Texas has no state tax of its own on the buyer. Each row has 20% down on a conventional loan.

Price	Texas’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$5,122	$55,122	$1,597
$500,000	—	$7,560	$107,560	$3,153
$750,000	—	$10,290	$160,290	$4,730
$1,000,000	—	$13,020	$213,020	$6,307
$2,000,000	—	$23,939	$423,939	$12,613

Buying in Texas: what to know

No buyer’s taxes

Texas has no buyer-paid transfer or mortgage tax. The buyer’s lender’s title policy is $100 when issued with the owner’s policy, and endorsements are priced separately.

No state transfer tax

Texas has no state or local real estate transfer tax; only county recording fees apply.

Title insurance

Texas title premiums are set by the Texas Department of Insurance, and new rates about 6.2% lower took effect March 1, 2026. The premium is $780 at $100,000, then $4.94 per $1,000 up to $1 million and less per $1,000 above, so $2,262 on a $400,000 home. The seller customarily pays for the owner’s policy; the standard Texas contract has a box for seller or buyer. A lender’s policy issued at the same time costs $100 when the loan doesn’t exceed the price.

Who runs the closing

Title companies close Texas sales. An attorney isn’t required; under the standard contract the seller pays a small fee for deed preparation.

Property taxes and escrow

Texas taxes the calendar year, billed around October and delinquent February 1 of the next year, so taxes are paid in arrears. The seller credits the buyer from January 1 to closing.

Buying in Texas: questions

What taxes does a buyer pay at closing in Texas?

None on the transfer or the mortgage. Texas buyers pay recording fees, lender charges and title costs.

How much is lender’s title insurance in Texas?

When it is issued with the owner’s policy and the loan doesn’t exceed the price, the Texas lender’s policy costs $100, plus any endorsements.

When are property taxes paid in Texas?

Texas bills the calendar year around October, and taxes are delinquent after January 31. The seller credits the buyer at closing for January 1 to the closing date.

How much are closing costs in Texas?

On a $315,000 home with 20% down on a conventional loan, the calculator’s estimates put a Texas buyer’s closing costs at about $5,541, or 1.8% of the price, and cash to close at $68,541. Texas charges the buyer no state transfer or mortgage tax. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

Is anything I type saved?

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