Texas seller net sheet calculator

Texas has no transfer tax. By custom the seller pays for the owner’s title policy, and the premium is set by the state, so it is the same at every title company.

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.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $132,216

42%keeps

Sale price$315,000
Commissions−$17,325
- Listing agent commission (3%)est.−$9,450
- Buyer’s agent compensation (2.5%)est.−$7,875
Loans and liens−$160,000
- Mortgage payoff−$160,000
Title and closing−$2,542
- Owner’s title insurance−$1,842
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$2,917
- Property taxes (prorated)est.−$2,917
Net to seller$132,216

An estimate, not a closing statement. The title or escrow company and your lender provide the final figures, and the loan payoff comes from the lender's payoff statement. Commissions are negotiable.

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A Texas sale, 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 a $160,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re left out here.

Before commissions and the payoff, the seller’s costs come to about $5,459, or 1.73% of the price, for a closing on December 5, 2026. Texas is one of the states with no state transfer tax.

Seller’s costs on $315,000, before commissions and the payoff
Owner’s title insurance	−$1,842
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Property taxes (prorated)est.	−$2,917
Total	−$5,459

Estimates are tagged “est.”; the rest follow the state’s rules.

The title policy at other prices

Texas has no state transfer tax, so the seller’s state-set costs come down to title and closing fees. Texas sets title insurance premiums, so the owner’s policy below is the state’s rate. The seller usually pays for it.

Sale price	Owner’s title policy
$250,000	$1,521
$500,000	$2,756
$750,000	$3,991
$1,000,000	$5,226
$2,000,000	$9,286

Selling in Texas: what to know

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

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.

Selling in Texas: questions

Is there a transfer tax in Texas?

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

Who pays for title insurance in Texas?

The seller customarily pays for the owner’s policy, though the standard Texas contract lets the parties choose. The premium is set by the state, so it is the same at every company.

How much is owner’s title insurance in Texas?

Under rates effective March 1, 2026, it is $780 for a $100,000 policy plus $4.94 per $1,000 above that up to $1 million. A $400,000 home costs $2,262.

How much are seller closing costs in Texas?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Texas seller’s costs on a $315,000 sale come to about $5,459 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $1,842, settlement or escrow fee $600, recording and release fees $100, property taxes (prorated) $2,917. Put in your own numbers above for a closer figure.

Is anything I type saved?

No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with can open them.