Texas Buyer Tool
Texas Closing Cost Estimator
County-specific buyer closing cost ranges using Texas promulgated title rates and typical lender fees.
Your inputs
Estimated closing costs
$9,981
~2.85% of price
Lender fees
$4,795
Third-party
$3,600
Prepaids / escrow
$1,586
Line-item breakdown
- Origination (1%)$3,150
- Appraisal$600
- Credit report$50
- Underwriting$995
- Title insurance (TX rate)$1,925
- Settlement / escrow fee$450
- Recording$175
- Survey$525
- Inspection$525
- Prepaid taxes + insurance escrow$1,586
Texas title insurance follows promulgated rates set by the Texas Department of Insurance and varies by price band. Lender fees, surveys, and inspections vary by provider. In many Texas markets, seller-paid closing cost concessions of 2–6% are negotiable.
Your next step
Turn this into a plan
Step 1 · 30 seconds
See which programs you may qualify for
Four questions surface the federal, Texas state, county, and city programs that fit your situation. No credit pull, no email required.
Take the eligibility quizStep 2 · Free download
Get the 31-page Texas Buyer Playbook
Every stackable program, the concession caps by loan type, lender questions, and the closing-day checklist — in one PDF.
Download the playbookStep 3 · When you’re ready
Get introduced to a licensed local professional
Tell us your county and we’ll introduce you to a TREC-licensed real estate professional who works that market.
Request an introduction