Dallas County, Texas · Seller net sheet

Dallas County seller net sheet calculator

Dallas County sellers pay no transfer tax — Texas prohibits them. The seller-side costs that matter here are commissions, the mortgage payoff, the state-rate owner's title policy, and a sizable property tax proration.

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Single offer

One set of terms, full itemized net sheet.

Estimated Net Proceeds

$205,200

Property label

Shown on the PDF report and used in the file name.

Sale price

Estimated closing date

Seller agent commission3%

Buyer agent commission2.5%

Outstanding mortgage payoff

Your Estimated Net Walkaway Cash

$205,200

Closing on Sep 13, 2026 · $319,800 in payoff, commissions & costs

Where the gross sale goes

$525,000 sale price broken down

Mortgage Payoff
$285,000
54.3% of gross sale
Total Commissions
$28,875
5.5% of gross sale
Closing/Agent costs
$5,925
1.1% of gross sale
Your Net Cash
$205,200
39.1% of gross sale

Itemized breakdown

Every line, and the share you pay as the seller

Itemized seller closing cost breakdown
Item	Full	Your share
Sale price	—	$525,000
Mortgage payoff	—	−$285,000
Listing agent commission(3%)	—	−$15,750
Buyer agent commission(2.5%)	—	−$13,125
Title Insurance Policy(Seller)	$1,800	−$1,800
Transfer Tax	$2,100	−$2,100
Recording Fees	$150	−$150
Escrow / Settlement Fee(50/50)	$950	−$475
Prorated Property Taxes	$1,400	−$1,400
Estimated net proceeds		$205,200

Selling a primary residence? Read our capital gains tax on home sale guide to estimate any federal tax owed on top of these net proceeds.

What Dallas County sellers should know

Local transfer tax

There is no transfer tax in Dallas County — Texas bans them statewide. Sellers pay only the county deed recording fee.

Title & closing custom

Dallas County sellers customarily pay for the owner's title policy; the escrow fee is normally split with the buyer.

Property taxes

Dallas County's average effective property tax rate is about 1.90% of market value, among the highest in the nation.

Dallas County seller FAQs

What are the seller closing costs in Dallas County, Texas?

Typically 6% to 8% of the sale price all in: agent commissions (negotiated separately for each side since the 2024 NAR settlement), the owner's title policy at Texas's promulgated rate, about half the escrow fee, a roughly $100 recording fee, and prorated property taxes through your closing date. There is no transfer tax.

Why is my property tax proration so large in Dallas County?

Texas bills property taxes in arrears for the calendar year, and Dallas County's effective rate is near 1.90%. If you close in the fall you have lived in the home most of the tax year but paid nothing yet, so you credit the buyer for those months at closing.

Does Dallas require an attorney at closing?

No. Texas is a title-company closing state — a licensed title company or escrow officer handles the closing. Sellers may hire an attorney for complex situations, but it is not required and most Dallas County resales close without one.

Seller guide

Understanding Closing Costs & Net Proceeds in Texas

Selling a home in Texas is usually cheaper at the closing table than in most big states because Texas charges no state transfer tax. Your biggest costs will be your mortgage payoff, agent commissions, and the owner's title policy — which sellers here traditionally pay for.

Key local custom breakdown

Transfer tax: Texas has no state or county transfer tax, so you only pay small recording fees (usually around $100).
Title insurance: By local custom the seller buys the Owner's Title Policy for the buyer; escrow fees are typically split 50/50.
Commissions: After the 2024 NAR settlement, the listing fee and any buyer-agent concession are negotiated separately — you're no longer locked into a flat 6%.

How the Texas transfer tax is calculated

Transfer Tax = $0 (Texas has no state transfer tax)

Only county recording fees (~$100) and your own closing costs apply.

Frequently asked questions (Texas real estate)

What is the real estate transfer tax rate in Texas?: Texas is one of the few states that charges $0 in state real estate transfer taxes. The state constitution strictly prohibits the imposition of a joint transfer tax on real estate sales, keeping your transaction fees significantly lower than states like New York or California.
Who pays for title insurance and escrow fees in Texas?: By Texas real estate custom, the seller traditionally purchases and pays for the Owner's Title Insurance Policy, while the buyer pays for their lender's title policy. Escrow and settlement fees are typically split 50/50 between the buyer and the seller.
How do the new 2026 commission rules affect Texas home sellers?: Following the historic NAR settlement, real estate commissions are decoupled. Texas sellers no longer blindly offer a fixed 6% blanket commission on the MLS. Listing agent fees and buyer agent concessions are negotiated separately. Sumline separates these inputs so you can accurately protect your equity.

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