The main costs on a listed sale
- Agent commissions. Negotiable. Since 2024, the buyer’s agent fee is agreed separately and is not automatically paid by the seller.
- Owner’s title policy. In Texas the seller customarily pays for the buyer’s owner’s title insurance policy; the premium is set by the state.
- Closing costs. Escrow fees, recording, prorated property taxes and HOA fees.
- Repairs and concessions. Requested after the buyer’s inspection, or given as credits.
- Preparation. Cleaning, paint, staging and photography.
- Holding costs. Mortgage, taxes, insurance and utilities while the house is on the market.
On a direct sale
With us there is no commission, no repair request and no showing preparation. You still pay off your mortgage and any liens, and prorated property taxes are settled at closing as usual. Ask us for a written breakdown so you can compare the net amount, not just the price.
General information, not legal, tax or financial advice. Laws and figures change; check the specifics for your situation.
Frequently asked questions
Who pays closing costs in Texas?
It is negotiable. By custom the seller pays the owner’s title policy and the buyer pays lender-related costs, with escrow fees often split. Your contract decides.