The Texas Closing Cost Calculator estimates the total cash you need to close on a home in Texas, including the fact that Texas has no statewide real-estate transfer tax (0.000%), plus lender origination, title, appraisal and prepaid escrow. It shows each line item and the total as a percent of price.
How it works
The calculator sums the typical buyer-side closing costs in Texas:
- Transfer tax (0.000%) — Texas has no statewide real-estate transfer tax, so this line is $0 (calculated as price * 0).
- Lender origination (~1%) — about 1% of the loan amount.
- Title (~0.5%) — title insurance and settlement, about 0.5% of the price.
- Appraisal — a flat $600 appraisal fee.
- Prepaid escrow — prepaid property taxes and homeowners insurance, estimated around $2,500.
It adds these up and divides by the purchase price to show closing costs as a percent of price.
Example
On a $350,000 Texas home with 20% down (a $280,000 loan): Texas has no statewide real-estate transfer tax (0.000%), so that line is $0, origination at 1% of the loan is about $2,800, title at 0.5% of price is about $1,750, appraisal about $600, and prepaid escrow about $2,500. Total closing costs come to roughly $7,650, or about 2.19% of the price.
Notes
This is an estimate for planning only, not financial, tax or legal advice. Texas has no statewide real-estate transfer tax (0.000% of price); some counties or municipalities may still charge local recording or deed fees. Origination, title and prepaid escrow amounts vary by lender and timing. Get an official Loan Estimate from your lender and confirm transfer-tax rules with the Texas Department of Revenue or county recorder before closing.