TOOLS / NET PROCEEDS

Seller net proceeds

Sale price down to the wire amount: payoff, commission, title policy, escrow, tax proration, concessions.

Uses the actual TDI promulgated title rate, not a guess.

The sale

Sale price

Loan payoffAsk your servicer for a payoff quote. It is not the same as your balance.

Total commission

What you agreed to pay

Buyer closing cost help

Repairs after the inspectionAlmost always something. Budget for it.

Home warranty for the buyer

I pay for the owner's title policyThe 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.

Closing table

Your half of the escrow feeSplit 50/50 by default on the TREC contract. Not promulgated, so ask your title company.

SurveyNegotiated on the contract. Sometimes an existing survey works.

HOA transfer or resale certificateTexas caps the resale certificate at $375 and an update at $75.

Property tax prorationYour share of the year's taxes up to closing day.

You walk away with

$61,713

Selling costs are $23,287, about 10.3% of the sale price, before your loan payoff.

Line by line

Sale price$225,000

Commission at 6%− $13,500

Owner's title policyTexas promulgated rate, same at every title company− $1,398

Texas guaranty fee− $2

Buyer closing cost help− $3,000

Repairs after inspection− $2,500

Half the escrow fee− $450

Survey− $600

Tax proration− $1,800

RecordingGregg County, $25 first page plus $4 each after− $37

Loan payoff− $140,000

Net to you$61,713

The title premium and the recording fees are exact. The escrow fee, survey and HOA transfer are not promulgated in Texas, so those three are your inputs, not our numbers. Get real quotes for them and put them in.

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

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

If this number is lower than you need it to be, compare it against selling as-is before you spend money on repairs.

Call (903) 445-1497 Send the numbers over

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.