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Tools & Guides

Resources & Calculators

Tools and guides to help every buyer, seller, lender, and builder navigate the closing process with confidence.

Residential Calculators and Resources

Closing Cost Calculator

Title Quote & Closing Estimator

$

Title Quote & Closing Estimator

One estimate: itemized title & closing charges split by side, your monthly payment, prepaids, and cash to close — driven by the property address.
Purchase + Loan
Cash Purchase
Refinance
Address search by OpenStreetMap
Select an address above
Seller
Buyer
Split 50/50
Payment & Escrow Details
Conventional
FHA
VA
USDA
$7,391/yr · state avg · look up exact rate ↗
$2,334/yr · % of price
Optional Endorsements
Owner's policy paid by: Seller · Lender's policy: Buyer
Title Charges
Buyer Pays
Seller Pays
Escrow Fee
$600.00
$600.00
Owner's Title Insurance
$0.00
$2,208.00
Lender's Title Insurance
$100.00
$0.00
Doc Prep, Warranty Deed, and Release Fee
$0.00
$200.00
Title Tax Certificate
$0.00
$67.00
Title e-Recording Fee
$12.80
$0.00
Title Policy Guaranty Fee (per policy)
$2.00
$2.00
Grand Total
$714.80
$3,077.00
Estimated Monthly Payment
$2,777.41
  • Principal & Interest$1,967.00
  • Property Taxes$615.92
  • Home Insurance$194.50
Estimated Buyer Cash to Close
$79,431.08
  • Down Payment$77,800.00
  • Title & Closing (buyer)$714.80
  • Prepaid Interest (17 days)$942.13
  • First-Year Home Insurance$2,334.00
  • Escrow Reserves (tax + insurance)$2,236.75
  • Seller Tax Proration (227 days) — credit$4,596.59
Texas tax proration: property taxes are paid in arrears, so the seller credits the buyer for their share of the year through closing — 227 of 365 days × $7,391 = $4,596.59. The buyer then pays the full bill when it's due.
Please note:title & closing charges use Texas promulgated rates (eff. 3/1/2026) and the customary Texas cost split. Mortgage payment, PMI/MIP, insurance, prepaids, escrow reserves, and property taxes are estimates that vary by lender and county — property taxes use a county average; use the “look up exact rate” link for your appraisal district’s figure. Final amounts confirmed at closing.
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Title Insurance Calculator

Residential Title Insurance Premium Estimator

Texas Title Insurance Rates

Title insurance premiums in Texas are state-regulated. Enter the property value or loan amount to estimate your policy cost.
Owner's
Lender's
Both
Owner's Policy Premium
$2,386
Lender's Policy Premium
Combined Premium
$2,386
Get an Exact QuoteRegulated Texas rates, effective 3/1/2026. Simultaneous-issue discount applied on lender's policies.
Resource Library

Forms, guides & rate sheets

Everything you need to prepare for your Texas closing, ready to download.

Getting to Closing

01

Buyer's Closing Checklist

A step-by-step guide to everything buyers need before, during, and after closing.

Download PDF →
02

The Closing Process

What to expect at each step of a Texas closing, from contract to funding and recording.

Download PDF →
03

Closing Timeline Reference

A visual guide to the 30–45 day closing process with key milestones.

Download PDF →
04

The Top 10 Closing Delays

The most common issues that hold up a closing — and how to avoid them.

Download PDF →

Costs & Title Insurance

05

Seller's Net Sheet Template

Calculate your estimated proceeds from the sale with our live Title Quote & Closing Estimator.

Open the calculator →
06

Who Pays for What?

A customary guide to how buyer and seller closing costs are divided in Texas.

Download PDF →
07

Texas Title Insurance Rate Schedule

Official promulgated rates for owner's and lender's title insurance in Texas.

Download PDF →
08

Why Do You Need Title Insurance?

The hidden risks an owner's policy protects against — and why it's a one-time cost.

Download PDF →
09

Common Ways to Hold Title in Texas

Sole ownership, community property, survivorship, trusts — advantages and limitations.

Download PDF →

Wire & Closing Security

10

Wire Transfer Instructions

For your security, we share verified wiring instructions only through a confirmed channel — never by download or email.

Request Securely →
11

Wire Fraud Prevention Guide

How to spot and avoid wire fraud scams targeting homebuyers and sellers.

Download PDF →

Ready for an exact quote?

Our team will prepare a precise net sheet tailored to your transaction — usually within one business day.