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Buyer closing cost estimator
See roughly what you'd need at the closing table — down payment plus lender fees, title insurance, prepaid items and escrow reserves.
Your estimated cash to close
$67,700
This is an estimate, not a Loan Estimate or Closing Disclosure. Your lender and title company will confirm exact figures once you're under contract. Not tax or legal advice.
Closing cost questions
How much are closing costs for buyers in Texas?
Most Texas buyers pay somewhere between 2% and 4% of the loan amount in closing costs, on top of the down payment — though it varies with your lender, loan type and the home's price. Use the calculator above with your numbers for a real estimate.
When do I get exact numbers instead of an estimate?
Once you're under contract, your lender is required to send a Loan Estimate within three business days, and a final Closing Disclosure at least three days before closing — those will have your exact figures.
Why do I need an escrow reserve if I'm already paying my taxes and insurance?
Your lender collects a cushion of a few months' worth upfront so your escrow account never runs short before your first regular payments catch up — it's part of your loan, not an extra cost that disappears.