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What will closing actually cost me?¿Cuánto me costará realmente el cierre?

The buyer-side number nobody itemizes until it's too late — lender fees, title, taxes, prepaids, and what the new agent-compensation rules mean for your side of the table. Stated as honest ranges, by state.El número del comprador que nadie desglosa hasta que es tarde — comisiones del prestamista, título, impuestos, anticipos y lo que las nuevas reglas de compensación de agentes significan para tu lado de la mesa. En rangos honestos, por estado.

The purchaseLa compra
The loanEl préstamo
Closing costs — planning range $8,078–$17,208 1.8–3.8% of price
Cash to close (incl. down payment) $53,078–$62,208 down payment $45,000
Line itemLowHigh
Lender origination & underwriting (0.5–1% of loan)$2,025$4,050
Appraisal$500$800
Inspection (paid before closing)$400$650
Title insurance & search (lender + owner policies)$1,800$3,600
Settlement / escrow / attorney$800$1,800
Government recording$100$300
Homeowners insurance — first year$1,350$2,700
Property-tax escrow (2–6 months)$900$2,700
Prepaid interest (to first payment)$203$608

Local custom: Texas has no real-estate transfer tax, and title premiums are state-regulated — quotes barely vary between title companies.

Planning ranges as of July 2026 — your Loan Estimate (delivered within 3 business days of applying) replaces every number here. FHA/VA upfront fees are treated as financed into the loan (the usual choice), so they appear as line items but not in cash to close — paying them in cash instead is optional. VA fee shown is the first-use rate; subsequent-use rates differ and service-connected disability waives the fee entirely.

Who pays the buyer's agent now?

Since the industry settlement took effect in August 2024, three things changed. One: offers of buyer-agent compensation no longer appear in the MLS, so nothing is "standard" anymore. Two: your agent must put their fee in a written buyer-representation agreement before touring homes with you — read it; the number in that document is what you owe if nobody else covers it. Three: everything is negotiable in the offer itself — sellers can still cover your agent as a concession, and in most markets they frequently do, because it widens the pool of buyers who can close.

What to negotiate in the representation agreement: the fee itself (asks typically run 2–3%), how long the agreement binds you and to which properties, and what happens if the seller's concession comes in below the agreed fee. If you're also short on closing cash, a seller credit toward closing costs — capped by loan type — can matter more than a price cut of the same size.

¿Quién paga al agente del comprador ahora?

Desde que el acuerdo del sector entró en vigor en agosto de 2024, cambiaron tres cosas. Uno: las ofertas de compensación al agente del comprador ya no aparecen en el MLS, así que ya nada es "estándar". Dos: tu agente debe poner sus honorarios en un contrato escrito de representación antes de mostrarte casas — léelo; el número de ese documento es lo que debes si nadie más lo cubre. Tres: todo se negocia en la oferta misma — el vendedor aún puede cubrir a tu agente como concesión, y en la mayoría de los mercados lo hace con frecuencia, porque amplía el grupo de compradores que pueden cerrar.

Qué negociar en el contrato de representación: los honorarios (las propuestas suelen ir de 2–3%), cuánto tiempo te obliga el contrato y sobre qué propiedades, y qué pasa si la concesión del vendedor queda por debajo de lo pactado. Si además te falta efectivo para el cierre, un crédito del vendedor hacia costos de cierre — con topes según el tipo de préstamo — puede importar más que una rebaja de precio del mismo tamaño.

What this estimator doesn't modelLo que este estimador no modela

Lender-specific fee sheets, rate-lock and float-down charges, HOA transfer and capital-contribution fees, city-level transfer taxes, and seller credits you may negotiate. Title customs (who pays the owner's policy) vary by state and even county. Your Loan Estimate is the binding document — this page exists so the Loan Estimate doesn't surprise you.Las hojas de comisiones de cada prestamista, cargos por bloqueo de tasa, cuotas de traspaso y aportación de capital de la HOA, impuestos de transferencia municipales y créditos del vendedor que negocies. Las costumbres de título (quién paga la póliza del propietario) varían por estado y hasta por condado. Tu Loan Estimate es el documento vinculante — esta página existe para que el Loan Estimate no te sorprenda.

→ What do I need to qualify?→ ¿Qué necesito para calificar? · → What will the monthly payment be?→ ¿Cuánto será el pago mensual? · → How much house can I afford?→ ¿Cuánto puedo pagar?