This calculator covers Texas, and the Texas answer is short: Texas has no real estate transfer tax, so a buyer or seller pays $0. Below you can see what Texas closings charge instead. Buying in another state? Transfer tax rates vary by state and county, so look up the rate with the county recorder and enter it here. For your full cash to close, use our closing costs calculator.
Property Location
Texas Constitution Art. VIII Sec. 29 bars a tax on the transfer of real estate, for buyers and sellers alike.
Title insurance
Owner's and lender's policies. Premiums are set by the Texas Department of Insurance, so the base premium is the same at every title company for the same coverage.
Recording fees
The county clerk charges to record the deed and the deed of trust. These are usually a small, flat per-page charge.
Escrow fee
The title company's fee for running the closing, often split between buyer and seller.
Survey
Many lenders and title companies ask for a current survey, or an existing one with an affidavit that nothing has changed.
Some states, like Texas, charge no transfer tax at all. Others charge a percentage of the price, and some counties and cities add their own on top.
Where a transfer tax exists, local custom decides who usually pays. In some markets it is the buyer, in others the seller, and in many it is split. Your contract has the final say.
Every state, Texas included, charges to record the deed and the mortgage or deed of trust. These fees vary by county and document length.
Disclaimer: The Texas result reflects the Texas Constitution's ban on real estate transfer taxes. For other states, this tool multiplies your price by the rate you enter and does not look up rates for you. Transfer taxes and local customs can differ by state, county and city, and they change over time. Confirm exact figures with your title company or a local real estate attorney before closing, and review your prepaid costs at closing. NMLS #222982.
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