Texas closing cost calculator (buyer and seller)

Texas has no transfer tax, and title insurance premiums are set by the state. See the buyer's and the seller's costs, then replace our placeholders with your title company's quote.

Free, no sign-up Rates checked October 2026

State

Purchase price

Loan amount

Enter 0 if you are paying cash.

Who pays the owner's title policy?Set in your purchase contract; custom varies by area.

Total commission paid by the seller

Negotiable. Include the buyer's agent only if the seller agreed to pay it.

The property is in Miami-Dade County It is a single-family home (no Miami-Dade surtax)

Market fees (estimates — edit with your quotes)

Lender fees (origination, underwriting, credit report)

Appraisal

Buyer's settlement / escrow fee

Title search and other title services

Lender's title policy endorsements

Owner's title policy (ask for a quote)

Arizona insurers file their own rates; this is only a placeholder.

Lender's title policy (ask for a quote)

Recording fees

Florida: $10 for the first page and $8.50 per extra page of each document. Texas: set by the county clerk.

Inspection, survey and pest inspection

Prepaid interest, insurance and escrow deposits

Seller's settlement fee and other costs (HOA estoppel, payoff, attorney)

Seller credit to the buyer (concessions)

How it's calculated

Texas items fixed by law: the owner's title policy uses the basic premium table of the Texas Department of Insurance effective March 1, 2026 (for coverage between $100,001 and $1 million: $780 plus 0.494% of the amount over $100,000, rounded to the dollar). A loan policy issued simultaneously with the owner's policy costs $100 when it does not exceed the owner's coverage (Rate Rule R-5); endorsements are extra. There is no state or local transfer tax. Escrow fees, recording fees (set by each county clerk) and lender fees are editable estimates.

Closing costs are everything besides the down payment that it takes to transfer the home and fund the loan. We split them into two kinds. Items fixed by law are calculated exactly from state rules: Florida's documentary stamp taxes and intangible tax, title insurance premiums in Florida and Texas (both states set them by regulation, so every title company charges the same premium), and Arizona's flat $30 recording fee per document. Market fees — lender charges, appraisal, settlement or escrow fees, inspections and prepaid items — depend on the companies you choose, so we show editable placeholders.

Buyer side: lender fees, appraisal, the lender's title policy (issued with the owner's policy at a reduced simultaneous rate: $25 in Florida, $100 in Texas), recording, Florida's mortgage taxes, inspections and prepaids. Seller side: Florida's deed tax, the real estate commission, the seller's settlement fee and other payoffs. The owner's title policy goes to whichever side your contract says. Seller credits reduce what the buyer pays at closing and increase the seller's costs.

Your lender must give you a Loan Estimate within three business days of your application and a Closing Disclosure at least three business days before closing. Use them to replace our placeholders with your real numbers.

Calculator by state

Frequently asked questions

Does Texas have a real estate transfer tax?

No. Texas does not tax the transfer of real estate, which keeps closing costs lower than in states with deed taxes. You will still pay title insurance, escrow and recording fees, lender charges and prepaid items.

How much is title insurance in Texas?

It is set by the Texas Department of Insurance. Since March 1, 2026 the basic premium for a $400,000 owner's policy is $2,262 ($780 plus 0.494% of $300,000). A simultaneous loan policy adds $100 plus any endorsements the lender requires.

Who pays the owner's title policy in Texas?

Whoever the purchase contract says: the standard Texas resale contract has a box to choose seller or buyer. Change the option in the calculator to see both cases.

What are closing costs?

They are the fees and taxes paid at closing on top of the down payment: lender charges, title insurance, government recording fees and transfer taxes, prepaid interest and insurance, and escrow deposits for property taxes. Sellers also have closing costs, mainly the commission, any transfer tax and the payoff of their mortgage.

Who pays closing costs, the buyer or the seller?

Both pay some. Who pays each item (for example the owner's title policy or a transfer tax) is set in the purchase contract and can be negotiated, and the seller can agree to give the buyer a credit toward closing costs. The calculator lets you choose who pays the owner's title policy and enter a seller credit.

Sources

Results are estimates for information only and are not legal, tax or financial advice. Confirm the figures with your lender, title or escrow company and the county offices.