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Texas closing cost estimator.
Estimate buyer and seller closing costs for a Dallas-area transaction. Title insurance is calculated using Texas Department of Insurance promulgated rates. No sign-up — adjust the inputs and see results immediately.
Transaction Details
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Estimated Cost Breakdown
Buyer's Closing Costs
- Lender's Title Policy (Buyer)
- $0
- Escrow / Settlement Fee
- $0
- Document Prep + Recording
- $0
- Inspection
- $0
- Appraisal
- $0
- Survey
- $0
- Option Fee
- $0
- Lender Origination (~1% of loan)
- $0
- Prepaid Taxes + Insurance (~14 mo)
- $0
Disclaimer
This calculator provides preliminary estimates only. Actual closing costs vary by title company, lender, transaction terms, and closing date. Title insurance is calculated using Texas Department of Insurance promulgated rates and may change. All figures should be verified with your title company and lender prior to closing. This tool is for informational purposes only and does not constitute financial, legal, or tax advice.
For Buyers
What buyers typically pay.
In Texas, buyer closing costs typically run 2%–4% of the purchase price (excluding down payment). On a $500,000 home, that's roughly $10,000 to $20,000 due at closing.
- ◆Lender fees — origination (~1% of loan), underwriting, credit report
- ◆Lender's title policy — required by lender if you finance
- ◆Inspection + appraisal + survey — paid out-of-pocket before closing
- ◆Prepaid taxes + insurance — about 14 months collected at closing for escrow
- ◆Option fee — small fee for the right to terminate during the option period
For Sellers
What sellers typically pay.
Sellers in Texas typically see 7%–9% of the sale price go to closing costs — the largest line item being agent commission (split between listing and buyer's agents).
- ◆Real estate commission — typically 5%–6% total, split between agents
- ◆Owner's title policy — customarily paid by seller in Texas
- ◆Escrow + admin fees — split with buyer at most title companies
- ◆Property tax proration — credit buyer for your portion of the year
- ◆Repair credits + home warranty — negotiable concessions
Want a Detailed Number?
Get a personalized estimate.
This calculator gets you in the right ballpark. For a transaction-specific number — with your actual lender quote, HOA prorations, and any negotiated concessions — Anita can run a detailed net sheet through her preferred Dallas-area title company.
Request a Detailed Estimate