| Transfer tax | No state transfer tax. |
|---|---|
| Usually paid by | n/a |
| Attorney at closing | Not required |
| Recording | Recording fees are set by the county clerk, typically a flat fee per document. |
What drives your total
Lender fees, title insurance, prepaid taxes and insurance, and any points you buy move the number most. On a $400,000 purchase, 2–5% means roughly $8,000–$20,000 at the table, your Loan Estimate itemizes every dollar three business days before closing.
Ways to reduce cash to close
- Seller credits (negotiated in the contract, program limits apply)
- Lender credits in exchange for a slightly higher rate
- Down payment assistance programs where available
- Closing on time, per-diem interest accrues daily
Sources: Tax Foundation 2026 (2024 ACS); TX Comptroller. Figures are typical ranges, not quotes.
FAQ
How much are closing costs in Texas?
Buyer closing costs in Texas typically run 2–5% of the purchase price. State-specific items include: No state transfer tax.
Who pays transfer tax in Texas?
Customarily the n/a pays the transfer tax in Texas, though it is negotiable in the contract.
Does Texas require an attorney at closing?
No, Texas does not require an attorney at closing, though title insurance is still standard.