Seller net sheet

What will you walk away with?

Enter your price and your loan. See every closing cost a Texas seller pays, the owner's title policy at the 2026 state rate, and your taxes prorated to the day.

By Albert Angarita, REALTOR® · TREC Licensed · Updated Oct 2026

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The sale

Expected sale price City Estimated closing date

Your loan

Mortgage payoffUse 0 if the home is paid off.

Second lien or HELOC balance

Commissions

Listing broker % Buyer agent compensation %Optional. Set it to 0 if you will not offer it. Commissions are negotiable and are not set by law.

Taxes, title and HOA

Combined tax rate % Seller pays the owner's title policy (customary in North Texas) Escrow, recording and title company feesAn estimate. Ask your title company for its exact seller fees. The home is in an HOA HOA resale and transfer fees HOA dues owed at closing

Credits and repairs

Seller concessions Repairs after inspection Home warranty Other costs

Sell as-is or prepare first?

Pre-listing repair budget Expected price gain Through MTR Contractors, pre-listing repairs can be paid at closing, so you do not pay out of pocket. Enter your own numbers; Albert can walk the home and give you real ones. How it works

Your estimated net

As-is$0

Prepared$0

An estimate for planning, not a closing disclosure. The owner's title premium uses the Texas Department of Insurance basic rate effective March 1, 2026. Final figures come from your title company's settlement statement.

How it works

Every number, explained

The state sets title insurance premiums. The Texas Department of Insurance publishes one basic rate for every title company, so the owner's title policy is not a guess. On a $450,000 sale the basic premium is $2,509 under the rates effective March 1, 2026. In North Texas the seller customarily pays for the buyer's owner policy, and the contract says who pays.

Texas property taxes are paid in arrears. The buyer pays the full year's bill when it comes due, so at closing you credit the buyer for your share, from January 1 to the closing date. That is why a fall closing costs a seller more in taxes than a spring one. The calculator uses your city's 2025 combined rate, or your actual bill if you enter it.

Your payoff is not your balance. It includes interest owed since your last payment. If you do not have a payoff statement, the calculator estimates it from your original loan, rate and first payment date. Commissions are negotiable, and offering buyer agent compensation is your choice.

2026 Texas title rates

Owner's title policy by sale price

$200,000

$1,274 owner policy basic premium

$250,000

$1,521 owner policy basic premium

$300,000

$1,768 owner policy basic premium

$350,000

$2,015 owner policy basic premium

$400,000

$2,262 owner policy basic premium

$450,000

$2,509 owner policy basic premium

$500,000

$2,756 owner policy basic premium

$600,000

$3,250 owner policy basic premium

$700,000

$3,744 owner policy basic premium

$800,000

$4,238 owner policy basic premium

$900,000

$4,732 owner policy basic premium

$1,000,000

$5,226 owner policy basic premium

$1,250,000

$6,241 owner policy basic premium

$1,500,000

$7,256 owner policy basic premium

$2,000,000

$9,286 owner policy basic premium

$3,000,000

$13,346 owner policy basic premium

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FAQ

Common questions

Who pays for title insurance in Texas?

It is negotiable and written into the contract, but in North Texas the seller customarily pays the owner's title policy for the buyer. The buyer pays for the lender's policy.

How are property taxes prorated when selling a house in Texas?

Taxes are paid in arrears, so the seller credits the buyer for January 1 through the closing date. The title company usually uses the prior year's bill when the current bill is not out yet.

How much does it cost to sell a house in Texas?

Commissions are usually the biggest cost, then the owner's title policy, the prorated property taxes and title company fees. Add any concessions, repairs and HOA fees. Run your numbers above for a line-by-line estimate.

Is this the same as a closing disclosure?

No. It is an estimate for planning. Your title company prepares the final settlement statement before closing.

Next step

Turn the estimate into a real number

Free home value reportPricing from recent sales near youOpen →Renovate before you sellRepairs paid at closingOpen →Property taxes by city2025 combined ratesOpen →Book a callSame-day responseOpen →

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