Selling your home in Texas? While the goal is a strong return, it’s important to understand the typical costs involved so you can plan ahead. Below is a clear breakdown of the most common seller expenses—based on how I guide clients across North Texas every day.
This is the biggest seller cost and covers professional representation on both sides. It’s split between the listing agent (me) and the buyer’s agent.
Typical Cost:
5%–6% of the sale price (split between agents)
This fee covers full-service representation throughout the sale
Commission is negotiable, but 5–6% is standard for experienced agents who guide you from start to finish
Property taxes in Texas are paid in arrears, which means you’ll owe your share of the year’s taxes up until the closing date.
How It Works:
Taxes are prorated and deducted at closing
You only pay for the time you owned the home during the year
In Texas, sellers typically pay for the buyer’s title insurance policy, which protects the buyer from title issues.
Typical Cost:
0.5%–1% of the sale price
Ensures a clean title transfer and smooth closing
If your home is in an HOA community, there may be additional charges at closing for documentation or transfers.
Typical Cost:
$200–$500
Can include: transfer fees, resale certificates, or required HOA inspections
Texas law requires the seller to provide an up-to-date HOA resale certificate—this can delay closing if not ordered early, so I’ll ensure it’s handled proactively.
Your mortgage will be paid off at closing. Some loan types may have early payoff fees—I’ll help you confirm with your lender.
Typical Cost:
Balance of your remaining mortgage
Check for any prepayment penalties—rare, but possible
Based on the buyer’s inspection, you might agree to make repairs or offer credits toward closing costs. I’ll guide you through any negotiations.
Typical Cost:
Varies depending on the inspection and contract negotiations
Concessions are optional but common, especially in buyer-driven markets
Offering a home warranty isn’t required, but many sellers provide one to increase buyer confidence and market appeal.
Typical Cost:
$500–$800+
Covers basic home systems for the buyer after closing
If you don’t have a recent property survey on file, you may need to provide one before closing.
Typical Cost:
$400–$800
I’ll help you check if your existing survey is still valid and acceptable to the title company
There are several administrative costs at closing—these vary by transaction but are generally minor compared to other fees.
Typical Cost:
$500–$1,500
May include: escrow fees, attorney fees, document prep fees, and recording fees
Selling your home is a big move—and understanding the costs upfront helps you plan confidently. I’ll estimate your net proceeds, prepare you for each step, and connect you with trusted professionals to keep things running smoothly all the way to closing day.
Selling your home is a big move—and understanding the costs upfront helps you plan confidently. I’ll estimate your net proceeds, prepare you for each step, and connect you with trusted professionals to keep things running smoothly all the way to closing day.
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