Private reviewNot indexed. Not live. Prepared for Todd Evans by Ryan Nichols, The LeadFlow Pro.15 items need confirming
Texas TwistedRealty(903) 445-1497

TOOLS / CLOSING COSTS

Closing costs

Buyer side and seller side, using promulgated Texas figures where they exist and saying so where they do not.

The transaction

Zero for a cash purchase.
The owner's title policy payer is a blank checkbox on the TREC form. There is no legal default favouring either side. Anyone who tells you 'the seller always pays' in Texas is describing custom, not law.

Quotes you will need to get

Not promulgated in Texas. Every title company sets its own.

Buyer closing costs

$6,927

Not including your down payment.

Buyer side

Loan origination at 1%Lender set, negotiable$2,025
AppraisalLender set$600
Credit reportLender set$75
Lender's title policyFlat $100 in Texas when issued with the owner's policy. Rate Rule R-5.$100
Texas guaranty fee$4
Escrow fee, your halfTitle company set$450
Survey, your shareNegotiated on the contract$300
RecordingGregg County schedule$73
Property taxes, 3 months escrowed$900
First year of insurance$2,400
Total$6,927
Green lines are exact. Texas promulgates the title premiums and Gregg County publishes the recording fees, so those are not estimates. Everything else is your input, because Texas does not set those and we are not going to invent a range.
The owner's title policy payer is a blank checkbox on the TREC form. There is no legal default favouring either side. Anyone who tells you 'the seller always pays' in Texas is describing custom, not law. If someone tells you the seller always pays for title in Texas, they are describing a habit, not the contract.

HOA resale certificates are capped by statute at $375, and updates at $75.

Source: TDI Texas Title Insurance Premium Rates · effective 2026-03-01

Source: Gregg County Clerk official public records fee schedule · effective 2024-01-01

Source: TREC One to Four Family Residential Contract (Resale), Form 20-18 · effective 2025-01-03

Escrow and closing fees are one of the few things in a Texas closing you can actually shop. Get two or three quotes and compare them line by line.

This is a planning estimate, not an offer, an appraisal, a quote, or a commitment. Everything runs in your browser: no figure you type here is sent anywhere or stored.