dett.io

All states

State Guide

Closing Costs in Texas (2026)

Buyers in Texas typically pay $6,790 to $16,975 in closing costs (2–5%) on a median-priced home of $339,500. Our itemized estimate: about $14,457 (4.3% of the price), plus a $67,900 down payment at 20% down.

Texas at a Glance

Median home price

$339,500

Estimated closing costs

$14,457

4.3% of price

Property tax rate

1.69%

≈ $5,738/year

2026 conforming loan limit

$832,750

2026 one-unit conforming limit

Cash to close

$82,357

20% down + closing costs

Monthly payment

$2,606

30-yr at 6.75%

What Makes Texas Different

Texas has no transfer tax, but it trades an income tax for high property taxes and expensive hail/wind insurance. Prepaid tax and insurance escrow usually dwarf lender fees on a typical purchase.

Local cost factors

Buyer-paid transfer tax

None typical

Seller-paid or no state transfer tax

Closing custom

Title / escrow

Closings usually run through a title or escrow company

Homeowners insurance

$4,400/yr

Typical premium scaled to the median-priced example

Example loan vs. limit

Conforming

$271,600 loan at 20% down

Itemized Closing Cost Estimate

Assumes a $339,500 purchase with 20% down ($271,600 loan) at 6.75% for 30 years, a 1.69% property tax rate, and $4,400/year insurance. Transfer tax includes only the share buyers in Texas customarily pay.

Line ItemCategoryEstimate
Loan Origination Fee (1% assumed)Lender fees$2,716
Credit ReportLender fees$50
Flood CertificationLender fees$20
Underwriting FeeLender fees$750
Processing FeeLender fees$500
AppraisalThird-party fees$550
Title InsuranceThird-party fees$1,358
Title SearchThird-party fees$300
Survey (if required)Third-party fees$400
Recording FeeGovernment fees$125
Prepaid Interest (15 days)Prepaids & escrow$753
Prepaid Homeowners Insurance (1 year)Prepaids & escrow$4,400
Escrow Prefund — Property Taxes (3 months)Prepaids & escrow$1,434
Escrow Prefund — Insurance (3 months)Prepaids & escrow$1,101
Total estimated closing costs$14,457

What You'd Pay Each Month

On a median-priced Texas home with 20% down, the full monthly payment is about $2,606: $1,762 in principal and interest, $478 in property taxes, and $367 in homeowners insurance. Taxes and insurance here add 48% on top of the loan payment itself.

Run Your Own Numbers

Closing Cost EstimatorHow Much House Can I Afford?True Monthly Mortgage CostDown Payment Strategy

Frequently Asked Questions

Buyers in Texas typically pay 2% to 5% of the purchase price in closing costs — roughly $6,790 to $16,975 on a median-priced home around $339,500. Our itemized estimate, including lender fees, title work, government fees, and prepaid taxes and insurance, comes to about $14,457 (4.3% of the price) with 20% down at 6.75%.

The effective property tax rate in Texas is approximately 1.69% of home value per year. On a median-priced home of $339,500, that works out to about $5,738 per year, or $478 per month. Several months of taxes are usually collected up front at closing to fund your escrow account.

No statewide real estate transfer tax. That keeps government fees at closing lower in Texas than in most states.

The 2026 conforming loan limit in Texas is $832,750 for a one-unit home — the national baseline. No counties in this state are designated high-cost for 2026. On a median-priced $339,500 home with 20% down, the loan is $271,600, so a typical purchase stays conforming. FHA limits also vary by county (2026 floor about $541,288).

With 20% down on a $339,500 home, plan for about $82,357 in total: $67,900 for the down payment plus roughly $14,457 in closing costs and prepaid items. A smaller down payment reduces the cash needed but adds PMI to your monthly payment.

On a median-priced $339,500 home with 20% down and a 30-year loan at 6.75%, the total monthly payment is about $2,606 — $1,762 in principal and interest, $478 in property taxes, and $367 in homeowners insurance.

Nearby states

AlabamaArkansasDelawareDistrict of ColumbiaFloridaGeorgiaKentuckyLouisianaMarylandMississippiNorth CarolinaOklahomaSouth CarolinaTennesseeVirginiaWest Virginia
Figures on this page are educational estimates, last reviewed October 18, 2026. Median prices (Redfin via Bankrate), effective property tax rates (Tax Foundation), insurance (Bankrate 2026 averages scaled to the median home), and 2026 conforming loan limits (FHFA) are approximations that vary by county, property, lender, and transaction. They are not a Loan Estimate and not financial advice — your lender's official Loan Estimate is the authoritative document for your closing costs. See our methodology.