Published February 14, 2026

Closing Costs in Texas: What Buyers Actually Pay

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Written by Christy Bulerez

Closing Costs in Texas: What Buyers Actually Pay header image.

Closing costs feel confusing until you see them grouped.

Buyer costs usually fall into 3 buckets

  1. Lender costs (origination/processing, underwriting, appraisal, credit report)
  2. Title + escrow (title policy, closing/settlement fee, recording)
  3. Prepaids (homeowners insurance, prepaid interest, escrow reserves for taxes/insurance)

The “surprise” cost for many Houston-area buyers

Escrow reserves—your lender may collect a cushion for future taxes/insurance. That’s why two buyers with the same price can have different cash-to-close.

Can sellers help?

Sometimes, yes—depending on offer terms and negotiation.

Want a rough cash-to-close range for your budget in Pearland/Friendswood/Alvin/Manvel? I’ll map it out quickly.

Categories

Buyers

Tags

First-time homebuyer tips, Homebuyers Houston area, Lender fees, Title fees Texas, Escrow reserves, Prepaid taxes and insurance, Cash to close, Buyer closing costs 2026, Closing costs Texas, Pearland real estate

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