Texas Closing Costs Calculator
Home-buyer closing costs in Texas average 0.93% of the purchase price — a mid-range in the US. Estimate your total and see the fee breakdown for any home price below.
Estimate only This uses the Texas average closing-cost percentage, and the breakdown is illustrative. Your actual costs depend on your lender, loan and negotiations — get a Loan Estimate from your lender for exact figures.
Note This is an average estimate; your actual costs depend on your lender, loan and negotiations — get a Loan Estimate for exact figures. The breakdown is illustrative and excludes real-estate agent commissions (usually paid by the seller).
Texas closing costs by home price (at 0.93%)
| Home price | Est. closing costs | % of price |
|---|---|---|
| $250,000 | $2,325 | 0.93% |
| $400,000 | $3,720 | 0.93% |
| $600,000 | $5,580 | 0.93% |
| $900,000 | $8,370 | 0.93% |
Median Texas home: $283,800 → about $2,639 in buyer closing costs.
How to estimate closing costs in Texas
- 01 Enter your home price (the default is the Texas median).
- 02 The 0.93% Texas average is pre-filled — adjust it for your lender and loan if you have a quote.
- 03 Read your estimated total and the illustrative fee breakdown instantly.
Frequently asked questions
How much are closing costs in Texas?
On average, home-buyer closing costs in Texas run about 0.93% of the purchase price — roughly $2,639 on the $283,800 median home. That covers lender fees, title & escrow, transfer/recording taxes, appraisal & inspection and prepaids, but not the real-estate agent commission (usually paid by the seller). Your actual total depends on your lender, loan and negotiations — get a Loan Estimate for exact figures.
What are closing costs on a $400,000 home in Texas?
At Texas's 0.93% average, closing costs on a $400,000 home come to about $3,720. This is an average estimate; your costs depend on your lender, loan and what the seller agrees to cover.
What is included in Texas closing costs?
Buyer closing costs typically include: lender/origination fees (origination, underwriting, points, credit report), title insurance & escrow/settlement, government transfer & recording taxes, appraisal & inspection, and prepaids (escrow reserves plus prepaid interest and insurance). The breakdown this page shows is illustrative — your Loan Estimate lists your exact line items.
Why are closing costs relatively low in Texas?
Texas has no heavy real-estate transfer tax and relatively light settlement customs, so buyer closing costs stay near the low end nationally. Transfer taxes are the biggest driver of state-to-state differences, and Texas buyers largely avoid them.
Who pays closing costs in Texas, the buyer or the seller?
Both sides have closing costs. This calculator estimates the BUYER's costs. Sellers separately pay agent commissions and often part of the transfer tax. In many deals buyers negotiate "seller concessions" so the seller covers some buyer closing costs — always confirm who pays what in your purchase contract.
Is this Texas closing costs calculator free?
Yes — it is completely free, needs no sign-up, and runs entirely in your browser. Nothing you enter is uploaded anywhere.
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