Buying · October 22, 2026
A first-timer's guide to closing costs in Texas
By Priya Nair · 1 min read
Beyond your down payment, expect lender fees, title insurance, an appraisal, a home inspection, prepaid taxes and insurance, and a few smaller items. Together they are commonly a few percent of the price, and your lender must give you a written estimate early in the process.
Two useful tricks: ask the seller to contribute toward closing costs when the market allows it, and compare lender quotes side by side, line by line. A half point on the rate can matter more than any single fee.
Build a little buffer too. Surprises are usually small, but you will sleep better with a cushion.
