Sumline

Texas · Seller net proceeds

Know exactly what you'll walk away with in Texas.

Pre-loaded with Texas transfer-tax rules, recording-fee estimates, and title-insurance customs. Every field stays editable.

Tax tables & post-NAR commission guidelines updated for 2026.

We'll pre-fill the state, county transfer taxes, title custom and an estimated property tax bill. Every number stays editable.

Single sheet

One set of terms, full itemized net sheet.

Estimated Net Proceeds
$205,200

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

$
3%
2.5%
$

Create a seller-ready report

Estate Pro

Turn the verified figures in this net sheet into a clear seller explanation, then download the branded PDF or share a secure link. You review and approve every word.

Includes an approved plain-English explanation, branded PDF and secure share link.

Unlock seller-ready reports

Sumline never changes your calculations.

Texas closing costs at a glance

Transfer tax

Required by law

Texas has no state transfer tax (0%).

Owner's title policy

Customary practice

The Seller customarily pays for the Owner's Title Insurance Policy in Texas, though this is fully negotiable.

Recording fees

Required by law

Estimated at $100 in the calculator above.

Commissions

Negotiated

Listing commission and any buyer-agent concession are negotiated separately.

Customary practices vary and every editable cost can be adjusted in the calculator above.

Reviewed August 1, 2026

Sources

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.

Agents: turn this estimate into a client-ready seller proceeds report with your name and brokerage on it.

Listing agents: turn this estimate into a branded seller net sheet for listing presentations.

Explore more Sumline tools

State-specific calculators and in-depth guides.

For agents
Rental property calculator by state
Seller net proceeds by state
Guides

© 2026 Sumline

Partner ProgramAffiliates — earn 30% recurringPrivacyTermsContact