Closing Costs in Texas: What to Budget and Why
By Kimi Ortega, Loan Officer (NMLS #495946) · June 10, 2026 · 5 min read
Your down payment is not the only cash you bring to closing. Closing costs are the fees that finalize your loan and your purchase, and in Texas they typically run about 2% to 5% of the purchase price. On a $350,000 home, that is roughly $7,000 to $17,500.
What is included in closing costs
Loan and lender fees
Origination and processing to set up your loan. A good loan officer gives you a clear written estimate up front so there are no surprises at the table.
Third-party services
Appraisal, title work, and inspections paid to outside companies.
Prepaids and escrow
A few months of property taxes and homeowners insurance set aside in your escrow account, plus any prepaid interest.
"The closing table should never be the first time you see your numbers. We estimate closing costs early and accurately, and our team hits that estimate 92.6% of the time."
Kimi OrtegaLoan Officer, NMLS #495946 · Serving Texas since 2008A Texas advantage
Texas does not charge a state transfer tax to put your home in your name, which keeps closing costs lower here than in many other states.
Ways to keep closing costs down
- Seller credits. In the right market, a seller can contribute toward your closing costs.
- Lender and program options. Some loan structures and assistance programs help cover costs.
- Shop your services where allowed. We will tell you which fees are fixed and which are flexible.
Want a real estimate for your situation? See how the process works or ask us for a clear breakdown.
Frequently asked questions
How much are closing costs in Texas?
For buyers, usually about 2% to 5% of the purchase price, on top of your down payment.
Can closing costs be rolled into the loan?
Sometimes. Certain refinances and programs allow it, and a seller credit can also offset them. We will show you the options for your scenario.
Who pays closing costs in Texas?
Both buyers and sellers have their own closing costs. Buyers pay loan and prepaid items, and some costs are negotiable between the parties.