Texas homebuyer tool

What are Texas closing costs?

Cash to close is more than the down payment. Texas buyers should check title policy custom, lender charges, tax prorations, prepaid insurance, escrow setup, HOA documents, survey, and seller credits.

Closing words before the numbers

Cash to close

The money the buyer must bring at closing after credits, deposits, and loan details are counted.

It includes more than the down payment.

Owner title policy

Title insurance that protects the owner's interest, usually bought at closing.

Who pays is a contract term.

Escrow cushion

Money the lender collects early to pay future tax and insurance bills.

It is separate from your first monthly payment.

Closing Disclosure

The final loan document that lists official closing numbers.

Compare this planner with the actual CD.

Planner

Texas cash-to-close estimate

Purchase priceDown payment percentBuyer closing-cost allowancePercent of price for lender, title, escrow, prepaid insurance, survey, and miscellaneous lines.Seller credit

Buyer pays owner title policy. Many Texas deals treat this as seller-paid custom, but the contract controls.

Estimated cash to close

$56,250

Down payment: $45,000
Buyer cost allowance: $11,250
Owner title policy if buyer-paid: $0
Seller credit: -$0

Closing paperwork

Where the numbers show up

These sample labels help you read a Loan Estimate, Closing Disclosure, or title-company worksheet.

Buyer cash

Cash to close

The amount the buyer wires or brings as a cashier's check.

Down payment: $45,000
Loan costs: $4,200
Prepaids and escrow: $5,700

Seller credits and earnest money can reduce the final number.

Title

Owner policy

Check whether the buyer or seller pays the owner title policy.

Owner title policy: Seller
Loan title policy: Buyer
Endorsements: Varies

Local custom is not a substitute for the contract.

Taxes

Tax prorations

The parties usually prorate property taxes at closing.

County tax proration: $...
Escrow setup: $...
Current bill: Check

A proration is not the same thing as next year's tax bill.

Keep the homebuyer numbers together

Estimate property tax

Stress test taxes before escrow surprises you.

Open estimator ->

Build a timeline

Track homestead, appraisal, protest, and tax-bill dates.

Build timeline ->

Check homeowners insurance

Flood, windstorm, roof, deductibles, and coastal issues can move the monthly cost.

Read guide ->

Look up the place

Find local CAD links and practical buyer checks.

Browse places ->

Sources

This page uses Texas title insurance source material and general buyer closing-cost categories.

Data vintage:: Texas title insurance rate rules and common buyer-cost categories
Last reviewed:: June 10, 2026

Texas Department of Insurance title insurance rate rules - state title insurance basic premium rate charts and rules
Texas Comptroller property tax basics - local appraisal, Jan. 1 value date, tax bills, and payment timing

Caution: Closing costs depend on the contract, lender, title company, tax prorations, HOA documents, surveys, credits, and local practice. Compare any estimate with the Loan Estimate and Closing Disclosure.

Spot something that needs a Texas check? This first pass is built to be polished over time. Send the page name, county, parcel context if relevant, and the official source you are looking at. Email Texas Porch.