What Does It Cost to Sell a House in Texas?

When you're thinking about selling, the first question is usually "What's my home worth?" The second is "What will I actually walk away with?" Here are the costs Texas sellers typically see, so there are no surprises at the closing table.

The costs most sellers pay

• Real estate commission. Commissions are negotiable. Your listing agreement spells out what your agent charges, what's included and how buyer-agent compensation will be handled, all before you sign.
• Owner's title policy. In Texas, the seller customarily pays for the buyer's owner's title insurance policy, though it's negotiable in the contract. The premium is based on the sale price.
• Title and escrow fees. The title company charges fees for closing, recording and handling the paperwork. Buyers and sellers often split some of these.
• Prorated property taxes. Texas property taxes are paid at the end of the year, for the whole year. At closing, you'll give the buyer a credit for your share of the year so far.
• Mortgage payoff. Your remaining loan balance, plus interest through the payoff date, is paid from your proceeds.
• HOA fees. If you're in an HOA, there are usually fees for the resale certificate and transfer, plus any dues owed through closing.

Costs that depend on your situation

• Repairs after the inspection. Buyers often ask for repairs or a credit after their inspection. You can agree, negotiate or say no.
• Seller concessions. Some buyers ask the seller to help with closing costs. Whether that makes sense depends on the market and the offer.
• Survey. If you have an existing survey and nothing has changed, you may be able to reuse it with a T-47 affidavit. Otherwise, a new one may be needed.
• Prep before listing. Cleaning, paint, landscaping and small repairs. Optional, but often worth it.
• Home warranty. Optional, and sometimes offered to make the home more attractive to buyers.

Get a net sheet before you list

The easiest way to know your bottom line is an estimated net sheet. It starts with a realistic sale price and subtracts each cost, so you can see what you're likely to take home. I'll prepare one before you list and update it when offers come in.

Thinking about selling? Get a free home value estimate, or call or text me at (512) 629-9050, and I'll walk you through your numbers.

Trina Heinmiller
Team Lead | Southern Luxe Group | eXp Realty

Step 3 of 10: Know your costs
← Step 2: Know your home's value · All 10 steps · Next: Choose your listing agent →

This post is general information. Costs vary by property, contract and title company, so ask for an estimated net sheet for your home.