Texas closing cost calculator for Dallas buyers.
Estimate closing costs and cash to close on a Dallas–Fort Worth home, with title insurance worked out from Texas’s state-set 2026 rates.
Assumptions you can change
Estimate only, not legal or financial advice. Your lender’s Loan Estimate and the title company’s figures are final.
Home builders and agents can send it to buyers who ask how much cash they need on closing day.
Short answer: On a $400,000 Dallas home with 5% down and a conventional loan, our assumptions give about $7,150 in closing fees plus about $7,900 of prepaid interest, insurance and escrow, so roughly $35,000 cash to close including the $20,000 down payment. In Texas the seller usually pays the owner’s title policy.
Texas title rates for 2026.
Texas is one of the few states where the title premium is set by the state. The Texas Department of Insurance cut basic premium rates by 6.2% from 1 March 2026.
| Policy amount | Basic premium |
|---|---|
| $200,000 | $1,274 |
| $300,000 | $1,768 |
| $400,000 | $2,262 |
| $500,000 | $2,756 |
| $750,000 | $3,991 |
| $1,000,000 | $5,226 |
For a policy between $100,001 and $1,000,000, the premium is $780 plus 0.494% of the amount above $100,000. When the buyer takes a loan, the lender’s policy issued at the same time costs $100 plus any endorsements the lender asks for.
What the estimate includes
Lender fees use your origination percentage plus an appraisal of $650 and $1,200 for underwriting, credit, flood and tax service. Title and escrow add the buyer’s share of the escrow fee ($600) and the lender’s policy with endorsements ($250). Survey and recording add $650. Prepaid items cover 15 days of interest, a year of home insurance, and three months of property tax and two months of insurance for the escrow account. These are typical figures, not quotes. The property tax default matches our Dallas County property tax calculator.
New construction in Dallas
Many Dallas–Fort Worth builders offer to pay part of the closing costs when you use their preferred lender. Ask for the offer in writing and compare the full Loan Estimate, not just the credit.
Sources: Texas Department of Insurance, Title Insurance Basic Manual; Texas Register, 6.2% title rate reduction effective 1 March 2026; Republic Title, schedule of basic premium rates; U.S. Department of Veterans Affairs, VA funding fee; Rocket Mortgage, FHA upfront mortgage insurance premium. Checked by Digify365 on 11 November 2026. General information, not legal or financial advice.
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Texas closing cost questions.
How much are closing costs in Texas?
With our default assumptions, a $400,000 Dallas home bought with 5% down on a conventional loan has about $7,150 in closing fees, or 1.8% of the price, plus about $7,900 of prepaid interest, insurance and escrow. Your lender’s Loan Estimate gives your exact figures.
Who pays for title insurance in Texas?
The seller usually pays for the owner’s title policy in Texas, and the buyer pays for the lender’s policy when there is a loan. Who pays is set in the sales contract, so it can be negotiated.
Is title insurance cheaper at some Texas title companies?
No. The Texas Department of Insurance sets the basic title premium, so every title company charges the same premium for the same policy. From 1 March 2026 a $400,000 owner’s policy costs $2,262.
What is included in cash to close?
Cash to close is your down payment plus closing fees (lender, title, escrow, survey and recording) plus prepaid items: interest until your first payment, the first year of home insurance, and a few months of property tax and insurance for the escrow account.
Do FHA and VA loans cost more at closing?
FHA loans add an upfront mortgage insurance premium of 1.75% of the loan, and VA loans add a funding fee of 1.25% to 3.3% of the loan, depending on the down payment and use. Both are usually added to the loan rather than paid in cash.
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