Texas Seller Closing Costs & Net Proceeds Calculator
Estimate exactly what you'll walk away with after selling a home in Texas. Defaults below reflect typical Texas transfer-tax treatment, title custom, and seller closing costs.
Data last reviewed: August 2026
Estimated net proceeds — Texas
$0
Enter a sale price below to estimate your net proceeds in Texas.
Net Proceeds Calculator — Texas
Defaults reflect typical Texas practice. Edit any field to match your transaction.
Figures last updated: August 2026
Sale & loan
Commission
Post-NAR settlement: the buyer-agent share is negotiable. Switch to listing-only if you're not offering buyer-agent compensation.
Title & closing costs
In Texas, the seller customarily pays this. Informational only — the premium amount isn't included in the totals below.
Optional adjustments
Breakdown
| Gross sale price | $0 |
| Agent commission | − $0 |
| Mortgage payoff | − $0 |
| Title / escrow services | − $0 |
| Transfer / excise tax | − $0 |
| Recording fees | − $75 |
| Settlement / escrow fee | − $450 |
| Home warranty | − $0 |
| Repairs / concessions | − $0 |
| Property tax proration | − $0 |
| HOA dues owed | − $0 |
| Total deductions | − $525 |
| Estimated net proceeds | $0 |
State-specific seller details
Transfer tax
None. Texas has no state or local real-estate transfer tax, so sellers do not pay a percentage-based transfer tax at closing.
Closing structure
Texas is an escrow/title state: title companies handle the closing process, and an attorney is not required.
Disclosure
Sellers of most residential property must deliver a Seller's Disclosure Notice to the buyer under Texas Property Code §5.008, covering known conditions and defects.
State income tax on the gain
None. Texas has no state income tax, so the gain on a home sale is not taxed at the state level (federal capital-gains rules still apply).
Agent commission
Real-estate commission is fully negotiable and typically falls within a customary range. Following the 2024 NAR settlement, buyer-agent compensation is no longer automatically seller-paid and is itself negotiable between the parties.
Last reviewed: August 2026
Source: Texas Property Code §5.008 and the Texas Comptroller of Public Accounts.
Selling a home in Texas: what to expect
Transfer / excise tax
No state transfer tax
Title & closing custom
Owner's title policy customarily paid by the SELLER. Texas title insurance premiums are state-regulated (promulgated rates).
Recording fees ~$26 first page + $4/page.
Typical commission
Around 5.5% of the sale price in Texas, combining the listing-side commission and anything the seller agrees to offer the buyer's brokerage. Always negotiable — there is no set rate.
Typical total seller closing costs
About 0.8%-1.5% of sale price (excluding agent commission).
Notes specific to Texas
- Texas has no real estate transfer tax — the Texas Constitution prohibits one — which materially reduces seller closing costs compared to many states.
- Texas title-insurance premiums are state-regulated (promulgated rates) and the seller customarily pays for the owner's policy.
- Texas has no state income tax, so a primary-home sale generally only triggers federal capital-gains considerations.
A real example: selling a median-priced home in Texas
Texas homes sold for a median of $343,779 in May 2026 (Redfin), up 0.9% year-over-year. Texas's standout feature for sellers: the state constitution prohibits a real estate transfer tax altogether, so unlike every other state in this batch, that line item is simply $0 — no state fee, no county add-on, no exceptions. Running the median price through the numbers: a 5.5% commission comes to $18,908, closing costs of 0.8%–1.5% add about $3,953 at the midpoint, and total deductions land near $22,860, about 6.65% of the sale price — the lowest percentage-of-price total in this batch, driven almost entirely by the missing transfer tax.
Texas also regulates title insurance premiums directly (promulgated rates set by the state), so unlike title costs in most states, the title insurance line item is one of the few closing costs in Texas that doesn't vary by which company you use — only by sale price.
Frequently asked questions — Texas
Who pays the transfer tax in Texas?
No state transfer tax
What are typical seller closing costs in Texas?
Excluding the real estate agent commission, sellers in Texas typically pay about 0.8%-1.5% of the sale price in closing costs. Owner's title policy customarily paid by the SELLER. Texas title insurance premiums are state-regulated (promulgated rates).
What is the typical real estate commission in Texas?
Commission in Texas is negotiated between the seller and the listing brokerage — combined rates commonly land in the mid-single digits, but there is no set rate. Since the 2024 NAR settlement, what the seller offers the buyer's brokerage (if anything) is negotiated in the purchase contract, not advertised on the MLS.
Do I need an attorney to sell a home in Texas?
Texas closings are typically conducted by a title or escrow company; an attorney is not generally required, though sellers may choose to retain one.