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State guide · TX

Closing costs in Texas

On a median-priced Texas home ($300,000), buyers typically bring $6,000$15,000 to the closing table beyond the down payment — with Texas's lack of a transfer tax and its title company closing convention shaping where you land in that range.

Typical buyer costs

$6,000$15,000

Transfer tax

None

Closing style

title company

What's inside the number: lender fees and any points (the part you can shop hardest), prepaid property taxes and homeowners insurance, title search and title insurance, recording fees. Texas runs title company closings: title company closing; attorneys optional.

The most effective ways to shrink the bill: shop three or more lenders and compare Section A of their Loan Estimates (see how to choose a lender), ask the seller for a closing credit as part of your offer, and shop the title agency where your state allows it. Line-item what to expect with the closing cost estimator.

Common questions

How much are closing costs in Texas?

Buyers typically pay 2-5% of the purchase price — about $6,000 to $15,000 on a median-priced Texas home ($300,000). The biggest swings come from lender fees and points, prepaid taxes and insurance, and title costs.

Do I need an attorney to close on a home in Texas?

Not required. Title company closing; attorneys optional. Hiring your own attorney is still a reasonable choice for unusual deals — estates, FSBOs, or anything contested.

Who pays the transfer tax in Texas?

Texas has no state transfer tax, so there's nothing to allocate — one reason its closings run cheaper than high-tax states.

Estimate your Texas closing costs

A line-item estimate — lender fees, title and escrow, prepaids — so the number on closing day doesn't surprise you.

Open the closing cost estimator

Ranges apply the typical national 2–5% of purchase price to Texas's approximate median home value — a planning estimate, not a quote. Lender fees depend on your loan; your official Loan Estimate and Closing Disclosure are the real numbers.

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