Closing Cost Calculator

Your estimated cash to close in Texas, line by line.

Your purchase

Loan typeHome price ($)Down payment (%)Interest rate (%)Loan term (years)VA funding fee statusUpfront feeApplies to FHA upfront MIP, the VA funding fee and the USDA guarantee fee. No upfront fee is added for Conventional.Closing date

Adjust A · Origination

These editable examples are a starting point. I compare this total with the rate and lender credits.

Discount points (% of loan)Underwriting / processing / admin ($)

Adjust B · Required services

The upfront fee appears here only when you choose to pay it at closing. VA fee allowability still needs lender review.

Appraisal ($)Credit report ($)Flood cert + tax service ($)VA pest inspection ($)

Adjust C · Title & settlement

Texas title premiums use state-set rates. The rate table is pending; the lender’s $450 placeholder is editable and is not a calculated premium. Owner’s premium starts blank ($0) until you have a quote. The contract decides who pays.

Lender’s title policy ($)Title endorsements & extras ($)Settlement / escrow fee ($)Survey ($)Sometimes $0 if the seller has a usable survey.Owner’s title policy ($)Enter your title company’s quote, even if the seller is paying.Who pays the owner’s policy?

Adjust E · Government

Recording fees ($)

Texas state transfer tax: $0. For a property in another state, ask title to confirm applicable transfer taxes; this Texas worksheet does not estimate them.

Adjust H · Other costs

HOA transfer / capital fee ($)Buyer-paid home warranty ($)Sellers often pay; enter only your share.Home inspection — budget only ($)Paid before closing. Kept separate from cash to close; don’t add it again under costs already paid.

Prepaids & escrow setup

StateCounty / local tax estimateAnnual property taxes ($)Select a county or Texas city estimate, or enter your property’s quote.

Annual homeowners insurance ($)Monthly HOA dues ($)Ongoing dues only. Transfer fees belong in H.Prepaid interest (days)Tax escrow deposit (months)Homeowners insurance escrow deposit (months)Insurance prepaid premium (months)

This simplified estimate starts with 3 months of property tax escrow and 3 months of homeowners insurance escrow. You can adjust both to match your lender’s quote.

Prepaid interest days follow your closing date. Auto values stay editable; tap a manual badge to restore the automatic estimate.

Credits & money already paid

Seller credit ($)Lender credit ($)Of the seller credit, VA concessions ($)Part of the total above, not an extra credit. Include funding fee, prepaids or debt payoff concessions your lender classifies here. Normal closing costs are a separate category.Earnest money already deposited ($)Modeled costs already paid ($)Only fees in this worksheet; home inspection is already excluded.Other credits / seller tax proration ($)Starts at $0 with this simplified tax estimate. Enter a separate credit only if your title quote calls for it; don’t also enter it as seller credit.

Seller and lender credits offset eligible costs, not your down payment. Don’t enter the same credit or payment twice. Title must confirm tax prorations and any refund.

Estimated cash to close

Estimated amount still needed at closing

Understand the fee sections

A–H groups are a planning worksheet, not an official Loan Estimate. No transfer tax outside Texas, price adjustment, eligibility or fee-allowability decision is modeled. Credit limits use the purchase price as a value proxy; the lender must verify the appraisal and applicable program rules.

Who usually pays what in Texas

The seller often pays the owner’s title policy, and the buyer pays the lender’s policy. Your contract can change that split. Texas has no state transfer tax.

Property taxes are paid in arrears and are generally due by January 31. The seller typically credits you for their share of the year at closing. I’d confirm the amount and timing with your title company.

How to bring less to closing

Ask about a seller credit or a lender credit tied to a slightly higher rate. You can also compare financing the upfront program fee, documented gift funds from an eligible family donor, or a later closing date to reduce prepaid interest. I’ll help you compare the tradeoffs.

Got a real quote? Send it to me and I’ll check it line by line

Please don’t include Social Security or account numbers.

References: CFPB Loan Estimate guide · VA funding fees & concessions · USDA guaranteed program

Educational estimates only. Not a Loan Estimate, loan offer or approval. All prefilled rates and costs are editable examples. A lender and settlement provider must confirm actual costs and eligibility.