Resources & Calculators
Tools and guides to help every buyer, seller, lender, and builder navigate the closing process with confidence.
Title Quote & Closing Estimator
Title Quote & Closing Estimator
- Principal & Interest$1,967.00
- Property Taxes$615.92
- Home Insurance$194.50
- 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
Note: A fee schedule change takes effect October 1, 2026 (Title Policy Guaranty Fee and Escrow Fee). This estimator updates automatically on that date — see the 2026 Fee Updates.
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Residential Title Insurance Premium Estimator
Texas Title Insurance Rates
Buyers: deposit your Earnest & Option funds through ZOCCAM
Securely submit your earnest money and option fee online — no trip to the office required.
Click here to pay via ZOCCAM →Forms, guides & rate sheets
Everything you need to prepare for your Texas closing, ready to download.
Getting to Closing
Buyer's Closing Checklist
A step-by-step guide to everything buyers need before, during, and after closing.
Download PDF →The Closing Process
What to expect at each step of a Texas closing, from contract to funding and recording.
Download PDF →Closing Timeline Reference
A visual guide to the 30–45 day closing process with key milestones.
Download PDF →The Top 10 Closing Delays
The most common issues that hold up a closing — and how to avoid them.
Download PDF →Earnest Money Deposits — ZOCCAM
ZOCCAM App — Step-by-Step Guide
Submit your earnest money deposit from the ZOCCAM mobile app — registration, earnest money, and paper-check or e-check, step by step.
Download PDF →ZOCCAM Web — Step-by-Step Guide
Prefer your computer? Submit your earnest money deposit securely through ZOCCAM in any web browser — registration, escrow deposit, and paper-check or e-check.
Download PDF →ZOCCAM — Important Tips
Key requirements and troubleshooting for your ZOCCAM deposit — password setup, Z Check (iPhone), paper checks, and what to have ready.
Download PDF →Costs & Title Insurance
Seller's Net Sheet Template
Calculate your estimated proceeds from the sale with our live Title Quote & Closing Estimator.
Open the calculator →Who Pays for What?
A customary guide to how buyer and seller closing costs are divided in Texas.
Download PDF →Texas Title Insurance Rate Schedule
Official promulgated rates for owner's and lender's title insurance in Texas.
Download PDF →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 →Common Ways to Hold Title in Texas
Sole ownership, community property, survivorship, trusts — advantages and limitations.
Download PDF →Wire & Closing Security
Wire Transfer Instructions
For your security, we share verified wiring instructions only through a confirmed channel — never by download or email.
Request Securely →Wire Fraud Prevention Guide
How to spot and avoid wire fraud scams targeting homebuyers and sellers.
Download PDF →Know before you close
Plain-English guides that take the mystery out of title insurance and the closing process.
What Is Title Insurance and Do I Need It?
A clear breakdown of owner's vs. lender's policies, what they cover, and why Texas requires it.
Understanding the Closing Disclosure
How to read the CD you'll receive before closing — and what to look for on every line.
What Sellers Pay at Closing in Texas
A breakdown of typical seller costs: title policy, real estate commissions, taxes, and more.
Wire Fraud: How to Protect Yourself
Red flags to watch for and the steps we take to keep your funds safe from fraud.
The Lender's Guide to Our Process
How we work with lenders — loan packages, closing coordination, and doc delivery.
New Construction Closings in Texas
What builders and new-home buyers should expect from contract to keys.
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