How Much Are Closing Fees for Sellers in Texas?

What's Actually Inside a Texas Seller's Closing Fee Total

A Texas seller's closing fees run 6% to 10% of the sale price, and most of that is real estate agent commission, typically 5% to 6% split between the listing and buyer's agents. The rest breaks down into owner's title insurance, escrow or settlement fees, prorated property taxes for the days the seller still owned the home that year, recording fees, and any buyer concessions negotiated into the deal. One line item is missing from that list on purpose: a state transfer tax. Texas does not have one. The Texas Constitution has barred any new law taxing the transfer of fee simple real property since January 1, 2016, so sellers in transfer-tax states elsewhere in the country are paying a real closing fee Texas sellers never see.

Why Texas Title Insurance Got Cheaper in 2026

Title insurance is the one Texas closing fee a seller cannot shop around. The Texas Department of Insurance sets the premium by law under a promulgated rate schedule, the same rate at every title company in the state, so there is no competitive pricing on this line item the way there is on commission or escrow fees. On December 19, 2025, the Texas Insurance Commissioner signed Order No. 2025-9697, cutting that state-set basic premium rate by 6.2%, effective March 1, 2026. Under the new schedule, the basic owner's title premium works out to $780 plus $0.00494 for every dollar of sale price above $100,000. On a $300,000 home, that is $1,768. On a $400,000 home, it is $2,262. For a state with no transfer tax, that is the second Texas-specific number worth knowing before closing, and it just moved in the seller's favor.

What Texas Sellers Should Do Now

Ask your title company for a real closing cost estimate early, rather than a rule-of-thumb percentage. The commission, the state-set title premium, and prorated taxes are all real numbers a title company can calculate before you sell. Compare what you would receive after those costs with your two selling options.

Cash Flow Deals' Offer Process:

1. Request a no-obligation review from Cash Flow Deals. Get written offers back within 24 hours, with net amounts calculated after the state-set title premium and standard closing costs. You choose between the Fast Cash Offer, where we buy your house as-is and close, and the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you.

2. Review the numbers and the purchase agreement before you sign. The number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. With Premium, only what your buyer's lender requires gets fixed, with costs covered up front and settled from the sale proceeds from our share. With Fast Cash, you sell as-is without making repairs.

3. Choose the offer that fits your needs and help pick your closing date. With Premium, your buyer signs a new contract directly with you, title passes directly to them, and their lender funds the purchase. The title premium, commission, prorated taxes, and other closing costs are disclosed before closing and settled from the sale proceeds; on Premium, those costs come from our share, not your agreed number. If your buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number instead of the Premium Cash Offer.