Buyer's guide
Mortgage calculator.
Estimate your monthly payment on a Hill Country or Austin-area home. Adjust the inputs to see how down payment, rate, taxes, and insurance shape your number.
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Texas closing costs
Estimated buyer closing costs.
Texas does not have a state or local real estate transfer tax. Buyer costs at closing typically run between 2% and 3% of the purchase price, depending on loan program, lender, and what the seller agrees to cover.
Lender's title policy$520
Loan origination & underwriting (~1%)$5,200
Appraisal$650
Inspection$550
Survey (if not provided by seller)$550
Escrow / settlement fee$450
Recording & document prep$250
Prepaid property taxes (~3 mo reserves)$2,125
Prepaid homeowners insurance (12 mo + reserves)$2,100
Next Step
Numbers look workable? Let's pressure-test them together.
Jennifer is both a luxury REALTOR® and a licensed loan officer in Texas. In a short conversation we can confirm the loan structure that fits, sharpen the closing-cost number to your specific community, and map a realistic path to a competitive offer.