Average Closing Costs in Texas (2026)
Texas Closing Cost Laws & Requirements
Texas has a Homestead Law that provides significant protections for primary residences — it limits property tax increases and protects against forced sale for most debts. Texas prohibits cash-out refinancing above 80% LTV on a primary residence. There is no state income tax in Texas, but property taxes are among the highest in the nation.
First-Time Buyer Programs in Texas
The Texas State Affordable Housing Corporation (TSAHC) offers down payment assistance and mortgage credit certificates for first-time buyers and veterans.
Closing Costs by City in Texas
| City | Typical Range | Avg % of Price |
|---|---|---|
| Houston | $5,900 – $14,750 | 1.7% |
| Dallas | $6,900 – $17,250 | 1.7% |
| Austin | $10,900 – $27,250 | 1.7% |
| San Antonio | $5,500 – $13,750 | 1.7% |
| El Paso | $3,900 – $9,750 | 1.7% |
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