Short answer: In Texas, sellers typically pay the owner's title policy, their prorated share of property taxes, any HOA transfer or resale fees, the real estate commission negotiated in their listing agreement, and a handful of smaller closing and settlement fees. Altogether, most Mansfield sellers should budget for these costs to run several percentage points of the final sale price, though the exact number depends on your contract, your title company, and what you negotiate with the buyer.

The typical closing costs a Texas seller pays

  • Owner's title insurance policy — customary for the seller to pay in most Texas transactions
  • Prorated property taxes — your share of the year up to closing day
  • HOA fees — transfer fees, resale certificates, and any dues owed through closing, if your neighborhood has an HOA
  • Real estate commission — as agreed to in your listing agreement
  • Settlement and title company fees — escrow, courier, and recording-related charges
  • Any buyer concessions — if you agreed to help with the buyer's closing costs as part of negotiations

Costs that can shift depending on your deal

Some costs are negotiable between buyer and seller in Texas — who pays for the survey, whether the seller offers any closing-cost assistance or rate buydown to the buyer, and how repair credits from inspection are handled. This is exactly the kind of detail we work through together during negotiations, so nothing catches you by surprise at the closing table.

Your exact number comes from your closing disclosure

Because every contract is different, the only truly accurate number is the one that shows up on your Closing Disclosure from the title company shortly before closing. I'm not a tax or legal advisor, so for anything tax-related I'll always point you to a CPA — but I will walk you through every line item on your settlement statement so you know exactly where your proceeds are going, well before closing day.

Selling in Mansfield? Let's map out your numbers early

Before you ever list, I like to sit down with sellers and estimate net proceeds using real, current numbers — not guesswork. It's part of how I support every client from the first conversation to closing day. If you're weighing whether now's the right time, my background and approach and the support of the Rafter H Realty team mean you're never navigating it alone.

📞 (214) 444-9427
📧 carlee.howard@rafterhrealty.com
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