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.
FEES
$8,205
Lender Fees
$4,480
Third-Party
$3,725
Prepaids
$5,305
Down Payment
$80,000
Every fee you can expect at the closing table
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.
Get a detailed Loan Estimate within 3 business days of applying. We break down every dollar so you know exactly what to expect — no hidden fees, ever. Curious about cash needed beyond fees? Use our affordability calculator.
Every fee disclosed upfront. No junk fees.
TILA-compliant estimates you can trust.
Lender credits to offset your costs.
Fast closings so you move in sooner.