Use our free Texas closing costs calculator to estimate your true out-of-pocket cash to close on a home purchase or refinance. We break down lender fees, title insurance (set by the Texas Department of Insurance), appraisal, recording fees, and prepaid escrow for property taxes and homeowners insurance, so you know exactly what to bring to the closing table. Most Texas buyers pay 2%-5% of the loan amount in closing costs. Pair it with our monthly payment calculator or read our complete closing costs guide.
Example rate. Change it to match your quote; your APR will differ.
FEES
$6,230
Lender Fees
$4,480
Third-Party
$1,750
Prepaids
$5,420
Down Payment
$80,000
Every fee you can expect at the closing table
Lender fees, appraisal, survey, recording and escrow fees are typical amounts, not quotes. Title premiums use the TDI basic premium schedule effective March 1, 2026; a refinance within a few years of your last policy may qualify for a reissue credit. Prepaid interest assumes about 15 days. Tax reserves in Texas depend on your closing month.
Results are estimates for illustration. Prefilled rates are examples based on national averages as of September 28, 2026, not offers. Your rate and APR depend on your credit, loan and property, and come from a Loan Estimate. Get started for a quote.
Origination charges, underwriting, credit reports, and processing fees your lender charges for making the loan.
Title insurance (TX promulgated rates), appraisal, property survey, recording fees, and escrow settlement charges.
Prepaid interest, upfront homeowners insurance, and initial property tax & insurance escrow reserves your lender requires.
Bring us a competing Loan Estimate and we will beat it on total lending cost, or tell you straight if we cannot.
TermsWe close Texas loans in 21 days. If we miss that on our end, you get a $1,000 credit toward closing costs.
TermsBuyers referred by a partner agent get up to $1,500 toward closing costs, applied as a lender credit.
TermsEach perk has eligibility rules and limits on its page. Credits apply at closing and cannot be used toward the down payment.
Run the numbers in our seller concession calculator, read about prepaid costs at closing, or see dry close vs wet close.
Get a detailed Loan Estimate within 3 business days of applying. It lists every fee so you know what to expect before you commit. Curious about cash needed beyond fees? Use our affordability calculator.
Every fee is listed on your Loan Estimate.
Licensed mortgage lender in Texas.