Understanding Closing Costs When Selling a Home in North Texas

What closing costs should you expect when selling a home in North Texas?

When you sell a home in North Texas—whether in Keller, Fort Worth, Roanoke, Southlake, or anywhere across Tarrant County—you'll pay a set of fees known as closing costs. These typically include title fees, prorated taxes, HOA items, and costs tied to preparing the home for transfer. Most sellers spend between 6–10% of the sales price, depending on the condition of the home, the contract terms, and the specifics of the deal.

What Exactly Are Closing Costs?

Closing costs are the fees associated with completing the sale of a property. Some are required, some are negotiable, and some depend on the contract you accept.

Seller Closing Costs Typically Include:

• Title company fees
• Prorated property taxes
• Realtor compensation
• HOA transfer fees
• Repairs or concessions negotiated with the buyer
• Survey costs (Negotiable between buyer and seller)
• Home warranty (if offered)
• Attorney fees (rare in Texas but possible)
• Mortgage payoff + interest up to the closing date

Each of these varies based on your city, property type, and neighborhood.

Typical Seller Closing Costs in North Texas

1. Title Company Fees

Title companies handle the legal transfer of property. These fees include:

• Escrow/settlement fee
• Title search
• Title insurance — negotiable between the buyer and seller in Texas

Typical range: $1,000–$4,500, depending on the home price.

2. Realtor Compensation

Texas allows flexible, negotiable commission structures.

This compensation covers professional marketing, contract negotiation, MLS exposure, compliance oversight, transaction management, and representation throughout the sale.

3. Prorated Property Taxes

Property taxes in Tarrant County are paid in arrears. This means you'll owe taxes for the portion of the year you lived in the home.

Example: If you close on September 30, you'll owe taxes for January–September.

4. HOA Fees & Transfer Costs

If your Keller or North Texas home is in an HOA, expect:

• Resale certificate fee
• HOA transfer fee
• Statement of dues
• Possibly a compliance inspection

Typical range: $250–$1,000+.

5. Buyer Concessions (If Negotiated)

Depending on the market, sellers sometimes offer:

• Temporary rate buy-downs
• Closing cost contributions
• Repair credits

This depends on the contract and competitive conditions.

6. Mortgage Payoff

If you have a current mortgage, your payoff includes:

• Principal balance
• Daily interest through the closing date
• Payoff or recording charges (when applicable)

Clear payoff numbers come directly from your lender.

7. Survey Costs

In Texas, the seller usually provides an existing survey if:

• It is available
• It is acceptable to the title company
• No changes have been made that invalidate it

If a new survey is needed, it typically costs $350–$600 (Negotiable between buyer and seller).

8. Home Warranty (Optional)

Some buyers request the seller pay for a one-year home warranty.

Price range: $500–$900.

Example Closing Cost Breakdown (North Texas Sale at $500,000)

Cost Category	Estimated Amount	Notes
Title fees	$1,800	Escrow + title services
Title insurance	~$2,800	Negotiable between buyer and seller in Texas
HOA transfer fees	$400	Varies by community
Prorated property taxes	~$7,500	Based on closing date
Survey (if required)	$450	Negotiable between buyer and seller
Buyer concessions	$0–$10,000	Market dependent
Realtor compensation	Varies	Negotiated in listing agreement
Total	$12,950–$23,000 (estimate)	Without concessions

Important: Mortgage payoff not included in totals.

What's Not Considered a Closing Cost

Some expenses happen during the listing or prep process but are not closing costs:

Selling Expenses (Not Closing Costs):

• Pre-listing repairs
• Staging
• Professional photography
• Seller moving expenses
• Cleaning, landscaping, touch-ups
• Temporary lodging or storage

These fall under selling expenses — not closing costs.

How to Reduce Your Closing Costs

You may be able to reduce expenses with these seller-friendly strategies:

• Provide a valid existing survey
• Price your home correctly to avoid buyer requests for concessions
• Address small repairs early
• Work with an experienced listing agent who negotiates strategically
• Review your HOA obligations before listing

This is where partnering with a local expert like Kallie Spencer, Broker/Owner at Ritchey Realty, helps you protect your net.

What to Expect When You Sell With Me

I guide North Texas sellers through the process with:

• A clear, custom net sheet
• A strategy to minimize unnecessary expenses
• Professionally managed marketing and preparation
• Transparent communication
• Contract evaluation and negotiation
• Full oversight from listing to closing

My priority is ensuring you know your numbers and feel confident every step of the way.

Conclusion

Selling a home in North Texas comes with predictable closing costs, but when you understand them upfront, you make smarter decisions and protect more of your equity. If you're preparing to sell in Keller, North Fort Worth, Roanoke, Southlake, or anywhere in Tarrant County, I'm here to help with a personalized estimate and strategy.

Get Your Custom Net Sheet Today

Contact Kallie Spencer, Broker/Owner at Ritchey Realty, for a clear breakdown of your expected closing costs and a strategic plan to maximize your net proceeds.

📞 Contact Kallie Spencer

📱 Call (682) 788-9060 ✉️ Email Kallie 🌐 Visit Website

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