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Texas closing cost & transfer tax calculator

Texas has no state transfer tax, so your closing costs are mostly lender and title fees. Pre-filled at about the median home price ($315,000); change anything to match your purchase.

State
Home price
Down paymentsome states also tax the mortgage
%

Transfer & recording taxes in Texas

$0

0% of the price · about $6,300 with other closing costs

  • Other closing costs (estimate)$6,300.00
Buyer's share of taxes
$0
Seller's share of taxes
$0
Other closing costs (estimate)
$6,300
Cash to close for the buyer (down payment + costs, if the buyer pays the 'either' taxes)
$37,800

Texas has no state transfer tax. Check for city or county fees.

No state real estate transfer tax. You still pay recording fees and the other closing costs.

Transfer taxes$0

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Texas transfer tax rules (2026)

No state real estate transfer tax. You still pay recording fees and the other closing costs.

Texas vs other states

Texas is one of 15 states with no state transfer tax. On a $400,000 home Delaware buyers and sellers pay $16,000 between them. States nearby in the ranking:

All states: real estate transfer tax by state. Monthly payment: Texas mortgage calculator · how much house you can afford in Texas.

Sources

Checked 2026-10-23. Rates change — we re-check every state on a schedule. Confirm with your title company or closing attorney.

Closing cost calculators for other states

Assumptions

  • Transfer and recording taxes use each state's published rates; exemptions (first-time buyer, senior, affordable housing) aren't applied unless noted.
  • Who pays a tax can be changed by the purchase contract; "either" means local custom or the contract decides.
  • Other closing costs (lender, title, appraisal, prepaid items) vary widely — use your Loan Estimate for real numbers.
  • Texas rules checked 2026-10-23: PropertyShark — real estate transfer taxes by state; LodeStar — which states quote transfer taxes.

Frequently asked questions

Does Texas have a real estate transfer tax?+

No. Texas has no state real estate transfer tax. No state real estate transfer tax. You still pay recording fees and the other closing costs.

What are closing costs in Texas?+

Without a transfer tax, Texas closing costs are mostly lender fees, title insurance, appraisal, recording fees and prepaid interest and escrow — typically about 2%–5% of the price nationally. On a $315,000 home, 2% is about $6,300. Your lender's Loan Estimate shows the real numbers.

Who pays closing costs in Texas?+

The buyer pays most lender and loan costs; the seller usually pays the real estate commission and often the owner's title policy, depending on local custom. Sellers can also agree to pay part of the buyer's costs as a concession.

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Uses 2026 rules and limits. Last reviewed October 23, 2026. Calculator version 1.0.0. Sources: Freddie Mac (via industry summaries) — closing costs typically 2%–5% of the purchase price. Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers. Embed this calculator on your site for free.