Texas Seller's Guide
Everything Texas home sellers need to know about closing costs, title insurance, and timeline — plus why Texas has no state transfer tax.
Read the Texas Seller's Guide →
Texas Home Seller Net Proceeds Calculator
Texas has no state transfer tax. Get an instant estimate — no login or sign-up required.
Texas has no state or county transfer tax — city selection is for context only.
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Brokerage Commissions
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Total Commissions$0.00
Estimated Net Proceeds
$0.00
Sale Price$0.00
Commissions- $0.00
Mortgage Payoff- $0.00
Owner's Title Insurance- $0.00
Escrow / Closing Fee- $0.00
Recording Fee- $0.00
Texas has no state or county transfer tax on residential sales. Title insurance premiums are set by the Texas Department of Insurance and are typically paid by the seller. Escrow, recording, and HOA transfer fees vary by provider and community. Consult an escrow officer or tax professional for exact figures.
Selling a Home in Texas
Texas is one of a small group of U.S. states with no state transfer tax on real estate sales — no documentary stamp, no excise tax, and no county or city add-on. That alone saves Texas sellers thousands compared to sellers in states like Washington or New York. The largest seller-side line items in Texas are agent commissions, the owner's title insurance policy, escrow/closing fees, and any HOA transfer fees that apply to your community.
Texas Title Insurance & Closing Costs
Title insurance premiums in Texas are promulgated rates — set by the Texas Department of Insurance and identical at every title company. The seller customarily pays the owner's policy that protects the buyer. Escrow/closing fees are typically split between buyer and seller, and recording fees are a small fixed cost paid at closing. If your property is in an HOA, expect a transfer fee and a resale certificate fee from the management company.
How to Estimate Your Texas Net Proceeds
- Sale Price: Start with the agreed-upon contract price.
- Mortgage Payoff: Subtract your remaining loan balance and accrued interest through closing.
- Closing Costs: Deduct commissions, owner's title insurance, escrow, recording, and HOA fees.
- No Transfer Tax: Unlike most states, you skip the transfer/excise tax line entirely.
Texas Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Closing Costs
Key Factors to Consider
- No Transfer Tax: Texas charges no state, county, or city transfer tax. This is the single largest difference between Texas and most other state net sheets.
- Promulgated Title Rates: Title insurance premiums are set by the Texas Department of Insurance — the rate is the same at every title company, so shop service, not price.
- Seller Pays Owner's Title: By custom, Texas sellers pay the owner's policy. This is the largest fixed cost on most Texas net sheets.
- Escrow Split: Closing fees are usually split with the buyer, but the contract can shift this.
- HOA Transfer Fees: If your property is in an HOA, the management company will charge a transfer fee and a resale certificate fee — budget for both.
Why use this tool?
Most national net-sheet calculators assume a state transfer tax that doesn't exist in Texas — they'll overstate your closing costs by thousands. This calculator applies the actual Texas cost structure: state-regulated title insurance, split escrow, recording fees, and an optional HOA line — so you see what you'll actually walk away with at closing.
Need more accuracy?
This tool provides general estimates only. Confirm exact figures with your title company, and consult a qualified tax professional regarding federal capital gains or other obligations specific to your sale.