If you’re planning to sell your home in Frisco, Prosper, McKinney, Celina, Plano, Little Elm, The Colony, or anywhere in North Texas, one of the first questions you’ll naturally ask is:
“How much does it cost to sell a house in Texas?”
There are several expenses involved in selling, but the good news is:
Texas sellers don’t have nearly as many line-item charges as buyers.
Let me walk you through every cost, what’s optional vs. required, and how I calculate a realistic net sheet for you before we ever list your home.
1. Typical Seller Closing Costs in Texas
Most sellers in Texas pay:
💲 6%–7% of the sales price
(depending on commissions + title + HOA + other factors)
This includes:
✔️ Real estate commissions
✔️ Title insurance policy
✔️ HOA fees (if applicable)
✔️ Taxes and prorations
✔️ Misc. closing charges
I calculate these for you upfront so you know exactly what you’ll net.
2. Real Estate Commissions
This is usually the largest seller cost.
The commission is agreed upon in the listing agreement.
It covers:
✔️ Listing agent services
✔️ Buyer’s agent
✔️ Marketing
✔️ Negotiation
✔️ Contracts
✔️ Showing management
✔️ Everything required to sell the home
The exact percentage varies by market and agreement, but it is fully disclosed before we begin.
3. Title Insurance Policy (Seller Usually Pays in North Texas)
Texas is unique.
In many parts of the country, the buyer pays the title policy.
But in most of North Texas, the seller pays for the owner’s title insurance.
Cost depends on the sales price.
Example (approximate):
✔️ $400,000 home → ~$2,300
✔️ $600,000 home → ~$3,400
✔️ $800,000 home → ~$4,400
Texas title rates are filed with the state and cannot be changed by the title company.
4. HOA-Related Fees (if applicable)
If your home is in an HOA, the seller typically pays:
✔️ Resale certificate
✔️ Statement of account
✔️ Transfer fee
Typical costs:
💲 300–$800 total
These vary depending on the management company.
I confirm the exact amounts before your home hits the market.
5. Prorated Property Taxes
Texas collects property taxes at the end of the year.
But if you sell before then, you must credit the buyer for the portion of the year you lived in the home.
Example:
✔️ If you close June 30, you owe taxes for Jan 1–June 30
✔️ Buyer owes July 1–Dec 31
This prorated amount appears as a credit on your Closing Disclosure.
6. Survey Costs (If Seller Does Not Have an Existing One)
In Texas, the buyer needs a survey for title insurance.
The contract specifies:
✔️ Seller provides existing survey + T-47
or
✔️ Seller pays for a new survey
or
✔️ Buyer pays for a new survey
If no survey exists, the seller’s cost is typically:
💲 450–$650 (standard lot)
💲 1,000+ (acreage or complex lots)
I help determine whether your existing survey qualifies.
7. Repairs or Concessions
During negotiations, sellers may offer:
✔️ Repair credits
✔️ Option period repairs
✔️ Closing cost concessions
These are optional but common depending on market conditions.
Credits typically range from:
💲 0–$10,000+
I negotiate strategically to minimize this cost while still keeping the buyer committed.
8. Buyer Closing Cost Assistance (Optional)
In certain markets (or depending on buyer financing), sellers may agree to help with:
✔️ Buyer’s closing costs
✔️ Rate buydowns
✔️ Discount points
This is especially common in new construction or slower-moving resale listings.
I advise you whether offering concessions will help your net proceeds—or not.
9. Attorney Fees (Rare in Texas)
Texas does not require attorneys for closing.
Most sellers have $0 attorney fees, unless dealing with:
✔️ Probate
✔️ Estates
✔️ Liens
✔️ Divorce
Title curative cases may involve small legal costs.
10. Miscellaneous Title Company Fees
Typical seller-paid fees include:
✔️ Recording fees
✔️ Courier fees
✔️ Tax certificate
✔️ Document prep fees
Usually minimal—typically under $300 total.
11. Expected Seller Net Sheet (Example)
Here’s a realistic estimate for a $600,000 home in North Texas:
| Category | Estimated Cost |
|---|---|
| Commission | $30,000 (example) |
| Title policy | ~$3,400 |
| HOA fees | $300–$800 |
| Tax prorations | Varies by date |
| Survey (if needed) | $450–$650 |
| Repairs/concessions | Case-by-case |
| Misc. title fees | ~$200 |
Total Seller Costs: ~$34,000–$40,000+
(Not including mortgage payoff)
I prepare a full net sheet for every seller before listing.
12. What Sellers Do Not Pay in Texas
Sellers do NOT pay:
❌ Buyer’s lender fees
❌ Buyer’s appraisal
❌ Buyer’s inspection costs
❌ Buyer’s escrow setup
❌ Buyer’s loan title policy
❌ Buyer’s homeowners insurance
❌ Buyer’s survey (unless negotiated)
The seller side is much simpler.
13. Mortgage Payoff
Most sellers still have a mortgage on the home.
At closing, title will pay:
✔️ Remaining mortgage balance
✔️ Daily interest
✔️ Any escrow shortages
The payoff amount comes directly out of your proceeds.
14. Optional Pre-Listing Costs (Not Closing Costs)
These are optional, but many sellers invest in:
✔️ Cleaning
✔️ Painting
✔️ Landscaping
✔️ Repairs
✔️ Staging
✔️ Professional photography
These are not part of closing costs, but they impact your final price significantly.
15. How I Help Sellers Reduce Their Closing Costs
When I represent you, I:
✔️ Provide a detailed net sheet upfront
✔️ Compare multiple title companies
✔️ Negotiate concessions strategically
✔️ Review HOA fees in advance
✔️ Catch unnecessary charges on the CD
✔️ Ensure a smooth payoff process
✔️ Maximize your sale price to offset any costs
My goal is simple:
maximize your net and minimize surprises.
Bottom Line: Seller Closing Costs in Texas Are Straightforward—When You Have a Plan
Your seller closing costs depend on:
✔️ Price
✔️ HOA
✔️ Mortgage
✔️ Repairs
✔️ Concessions
✔️ Title requirements
When I sell your home, I make sure you know:
✔️ EXACTLY what you’ll net
✔️ All required fees
✔️ All optional fees
✔️ How to keep your final number high
No surprises. No confusion. Just a clean, profitable sale.
Want a Realtor Who Maximizes Your Net Proceeds?
If you're thinking about selling in North Texas, I’d love to walk you through a custom net sheet and show you what your bottom line would look like today.
