Texas Closing Cost Calculator 2026
Estimate title insurance, recording fees, and escrow costs for Texas residential purchases using state-regulated rates.
Closing Cost Calculator
Texas • Instant Estimate
Estimate based on current Texas rates. Does not include property taxes, HOA fees, or lender-specific charges. Consult a licensed professional for exact figures.
Example: Closing Costs for a $400,000 Property in 2026
For a $400,000 Texas purchase, title insurance is determined by the state-regulated fixed-tier schedule, placing it in the $400k bracket at $2,262.
Texas Title Insurance Fixed Tiers — 2026
| Purchase Price | Title Insurance Premium |
|---|---|
| Up to $100,000 | $780 |
| Up to $200,000 | $1,274 |
| Up to $300,000 | $1,768 |
| Up to $400,000 | $2,262 |
| Up to $500,000 | $2,756 |
| Up to $750,000 | $3,991 |
| Up to $1,000,000 | $5,226 |
💡 Texas title insurance rates are set by the Texas Department of Insurance. All title companies must charge the same regulated premiums.
Texas Closing Cost FAQ
How is title insurance priced in Texas?
Texas uses state-regulated fixed tiers set by the TX Department of Insurance. All title companies charge the same premiums.
Who pays closing costs in Texas?
The seller typically pays the owner's title policy. The buyer pays for the lender's policy, escrow, and recording fees. Terms are negotiable.
What are typical escrow fees in Texas?
TX escrow fees range from $350 to $2,000. The average is approximately $1,175 for a standard residential purchase.