Closing
The owner title policy is negotiable, but local custom is real
Texas contracts and local practice often decide who pays.
Texas title insurance rates are regulated, but the contract decides who pays for the owner policy.
In many markets, sellers commonly pay the owner policy, but that is custom, not a law you should blindly assume.
If the seller does not pay it, the buyer's cash to close can move by thousands of dollars.
Source to confirm: Texas Department of Insurance title rules