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Seller Net Proceeds Calculator (Texas)

Estimate the check you walk away with at closing. Uses the actual Texas Department of Insurance title-policy rate schedule (effective March 1, 2026) and typical Texas closing costs.

Sale details

Estimated net proceeds with KAT Realty ($5,999 flat)
$0
With a 3% listing agent
$0
You keep an extra
$0
Sale price
Mortgage payoff
KAT Realty listing fee$5,999
Buyer-agent fee
Owner's title policy (TDI rate)
Prorated property tax
Escrow, HOA, warranty, other
Concessions
Net to seller
Disclaimer: This calculator provides estimates for general informational purposes only and is not financial, legal, tax or lending advice. Actual figures will vary and are determined by your lender, title company, taxing authorities and the terms of your contract. KAT Realty Group makes no warranty as to the accuracy or completeness of these estimates and assumes no responsibility or liability for decisions made in reliance on them. Please verify all numbers with your lender and title company before relying on them.
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Estimate only — your title company issues the final settlement statement. Texas has no state transfer tax. Property tax is prorated Jan 1 through closing and typically paid by the seller at closing. Title premium per TDI rate schedule effective 3/1/2026; endorsements and escrow fees vary by company.

What sellers pay at closing in Texas

Texas seller closing costs are lower than in many states because there is no state or county transfer tax. The main items are the mortgage payoff, real estate fees, the owner's title policy (customarily paid by the seller and priced by the Texas Department of Insurance rate schedule), an escrow or settlement fee, property taxes prorated from January 1 to the closing date, any HOA resale certificate or transfer fees, and any repair credits or concessions negotiated with the buyer.

How the title policy is calculated

Texas title premiums are promulgated — every title company charges the same rate for the same policy amount. For 2026 the basic premium is $780 at $100,000 and increases by $4.94 per $1,000 above that up to $1,000,000. On a $450,000 sale that's about $2,509. This calculator applies the exact schedule effective March 1, 2026.

Property tax proration

Texas property taxes are paid in arrears, so at closing the seller credits the buyer for the portion of the current year they owned the home. Closing in September on a $9,000 annual bill means roughly $6,375 comes off your proceeds — one of the most common surprises on a seller's settlement statement.

Frequently asked questions

What are typical seller closing costs in Texas?

Excluding the mortgage payoff and agent fees, usually 1–2% of the price: owner's title policy, escrow fee, recording, prorated taxes and HOA transfer fees. Texas has no transfer tax.

Who pays for the owner's title policy in Texas?

By custom the seller pays for the owner's policy and the buyer pays for the lender's policy, but it's negotiable in the contract.

Does the calculator include my mortgage payoff?

Yes — enter all liens including a HELOC. The payoff amount on your statement is usually slightly higher than the balance because of accrued interest.

How does the $5,999 flat fee affect net proceeds?

It replaces the 2.5–3% listing commission. The calculator shows both so you can see the difference in the 'You keep an extra' box.

Are these numbers final?

No — your title company issues the final settlement statement. Use this to plan; use the settlement statement to close.

Related calculators

Seller Commission Savings Calculator3% vs $5,999 flat Home Sale Capital Gains Tax Estimator$250K/$500K exclusion Texas Property Tax Calculator by CountyBy county, with exemptions

KAT Realty Group is a full-service flat fee real estate service: buyer representation for $4,999 and seller listing for $5,999, serving Austin, Dallas–Fort Worth, Houston, San Antonio and all of Texas. See all calculators or request a consultation.