Selling a Home in El Paso, Texas
El Paso sits in El Paso County, where home sellers benefit from Texas's no state transfer tax structure. The biggest seller-side costs in El Paso are agent commissions, the owner's title insurance policy (state-regulated), escrow/closing fees, recording fees, and — if your property is in an HOA — a transfer fee and resale certificate fee.
El Paso Title Insurance & Closing Costs
Title insurance premiums in El Paso are set by the Texas Department of Insurance — identical at every title company. The seller customarily pays the owner's policy, and escrow fees are usually split with the buyer. Recording fees in El Paso County are a small fixed cost at closing.
How to Estimate Your El Paso Net Proceeds
- Sale Price: Start with the agreed contract price for your El Paso property.
- Mortgage Payoff: Subtract your remaining loan balance and accrued interest.
- Closing Costs: Deduct commissions, owner's title insurance, escrow, recording, and any HOA transfer fee.
- No Transfer Tax: Texas charges no state, county, or city transfer tax — skip that line entirely.
El Paso Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Closing Costs