Texas seller costs
What does it cost to sell a house in Texas?
The sale price is the starting figure. Your mortgage payoff and the expense of selling determine what you keep. This guide separates those amounts and walks through a complete example, so you can build an estimate for your own home.
Updated
What does it cost to sell a house in Texas?
Start with the brokerage fee and the title company’s closing estimate. Add repairs and moving expenses. Your mortgage payoff also comes out of the proceeds. Mayshore’s single-family listing-side fee is 1% of the final sale price. Buyer-broker compensation and closing costs are separate. Land, commercial and multifamily properties are priced per property.
A $400,000 sale
How much is the listing fee on a $400,000 home?
At Mayshore’s 1% rate, the listing-side fee is $4,000. There is no minimum listing fee. That covers the full-service listing package for a DFW single-family home.
Your total selling costs also depend on any buyer-broker compensation you agree to pay, title and closing charges, repairs and buyer credits. Subtract your loan payoff separately to estimate the cash you keep. Use the net-proceeds calculator with your own numbers.
One complete illustration
What could a $500,000 seller net sheet look like?
Use this hypothetical sale to see how each deduction affects the proceeds. These figures are for illustration only. Replace them with current estimates for your home before making a decision.
| Line item | Amount |
|---|---|
| Assumed final sale price | $500,000 |
| Mayshore listing-side fee: 1% | −$5,000 |
| Separately negotiated buyer-broker compensation: assumed 2% | −$10,000 |
| Title and escrow: illustrative estimate | −$3,500 |
| Tax proration: illustrative estimate | −$4,000 |
| Preparation and repairs: illustrative budget | −$6,000 |
| Concessions and other seller-paid items: illustrative budget | −$5,000 |
| Moving, overlap and possession: illustrative budget | −$2,500 |
| Sale and move expenses above | $36,000 |
| Loan and lien payoff: separate from sale expenses | −$280,000 |
| Estimated proceeds after all listed amounts | $184,000 |
$500,000 sale price − $36,000 expenses − $280,000 payoff = $184,000 estimated proceeds. The expense subtotal is a summary of the rows above, not an additional deduction.
Paying back mortgage principal reduces the cash you receive. It repays an existing debt rather than adding a new brokerage fee. The final payoff may also include accrued interest or payoff charges. Repairs and moving reduce your overall proceeds even when you pay for them outside closing. Put each cost in one category so it is counted once.
Your selling costs
Which selling costs belong on separate lines?
- Loan and lien payoff
Request current figures for the debts that must be paid at closing. Include any required lien release rather than relying on the balance from an old statement.
- Brokerage compensation
Use the compensation agreed in writing. Mayshore's single-family listing-side fee is 1%; any buyer-broker compensation is separate. Brokerage compensation is negotiable.
- Title and closing items
Ask the title company for an estimate based on your contract and property. Check who pays each item and update the figures before signing the final closing documents.
- Preparation and repairs
Budget for work completed before listing and any repairs agreed after inspection. Include cleaning or staging you choose to pay for. Avoid counting the same work twice.
- Buyer concessions
Include any agreed contribution to eligible buyer expenses. Confirm the amount works with the contract and the buyer's loan requirements.
- Taxes, HOA, and prorations
Use current tax and HOA information for the property. Your closing provider can estimate the amounts allocated or reconciled at closing.
- Move and possession
Include moving and storage expenses. Add temporary housing or an overlap between homes if needed. Account for any agreed cost of possession after closing.
Negotiated compensation
What do listing brokers charge in Texas?
Brokerage compensation is negotiable and is not set by law. Mayshore charges a 1% listing-side fee for single-family homes. Buyer-broker compensation and closing costs are separate. Land, commercial, and multifamily properties are priced per property.
Buyer representation cost
Is buyer-broker compensation included in the 1%?
No. Buyer-broker compensation is separate from Mayshore's 1% listing-side fee. You choose whether to offer it and how much. The amount is fully negotiable. Other seller-paid closing costs and loan payoff are also separate. We will walk through the complete estimate for your property.
A negotiated credit
What is a seller concession?
A seller concession is an agreed contribution toward an eligible expense for your buyer. It reduces the proceeds you keep. The buyer’s loan rules and your contract determine how the contribution can be used. A credit changes your costs, while a price reduction changes the sale price itself.
Illustrative example: a $500,000 sale with an agreed $10,000 contribution leaves you $10,000 less before other changes. The price is still $500,000. A $490,000 offer with no contribution changes the price instead. That can affect the loan and appraisal, as well as charges calculated from the price.
Have the lender confirm the eligible costs and allowed amount before you agree to a credit. State any requested buyer-broker compensation separately. That keeps the contract clear about what your contribution covers.
Compare seller proceeds · Source: TREC Form 20-19, settlement expenses, reviewed September 5, 2026
Taxes
Will I owe capital-gains tax when I sell?
How you owned and used the home affects its tax treatment. Your purchase basis and documented improvements help determine the gain. A qualified tax professional can review your filing status and any available exclusion. Use current IRS guidance and an individual calculation before relying on estimated after-tax proceeds.
Your home sale
See what you could keep
Tell us about your home and when you want to sell. We will help you work through the price, costs and estimated proceeds.
Mayshore’s 1% fee covers the listing side of a single-family home sale. Buyer-broker compensation and closing costs are separate. Land, commercial and multifamily properties are priced per property. 1% listing services.
Frequently asked questions
How much does it cost to sell a house in Texas?
Start with a net sheet for your home. Mayshore charges 1% of the final sale price for single-family listing representation. Add any separate buyer-broker compensation and the title company's closing estimate. Then budget for repairs and moving. Include tax prorations, HOA charges and any buyer credits. Your loan payoff also comes out of the proceeds. Update the figures before accepting an offer.
What commission ranges do Texas home sellers evaluate?
Brokerage compensation is negotiable and is not set by law. Mayshore charges a 1% listing-side fee for single-family homes. Buyer-broker compensation and closing costs are separate. Land, commercial, and multifamily properties are priced per property.
Does a Texas seller have to pay the buyer's agent?
No. Buyer-broker compensation is separate from Mayshore's 1% listing-side fee. You choose whether to offer it and how much. The amount is fully negotiable. Other seller-paid closing costs and loan payoff are also separate. We will walk through the complete estimate for your property.
Can I negotiate real estate brokerage compensation?
Yes. You can negotiate brokerage compensation and compare what each fee includes. Ask which services you receive and which expenses you pay separately. Mayshore's published single-family listing-side fee is 1% of the final sale price. Any buyer-broker compensation and other closing costs are separate. Put the agreed services and charges in writing before you choose representation.
Can I negotiate my seller closing costs?
You can negotiate how closing costs are divided in the contract. You can also compare quotes from providers where you have a choice. Review buyer credits and repair requests alongside the price. Ask your agent for a revised net sheet before accepting changes. Saving on one fee may leave you with less overall if the offer price falls further.
Do I have to contribute to my buyer's closing costs?
Your buyer can ask you to contribute toward eligible closing costs. You can accept that request or negotiate different terms. The buyer's loan limits which costs qualify and how much assistance is allowed. Compare the contribution with the price and the amount you would keep. Use the actual offer and lender requirements rather than a customary percentage.
Who pays title, escrow, and property-tax prorations in a Texas home sale?
Ask the title company for an estimate for your address and proposed contract. It can separate title-related charges from escrow fees and tax prorations. Add any HOA charges and loan payoff fees that apply. Your contract determines who pays the negotiable items. Review the figures with your agent now, then check the final amounts on the closing statement.
Could capital-gains tax apply when selling a Texas home?
Your tax result depends on how you owned and used the home. A tax professional can review your gain and any available exclusion. Gather the purchase and improvement records along with your estimated selling costs. Your filing status and other facts may affect the calculation. Get that review before relying on a projected net; this guide provides general information rather than a tax calculation.
Talk to the broker
Jeremy Parten
Designated Broker · Mayshore Realty
Dallas–Fort Worth sellers, buyers and agents
Jeremy handles every inquiry.
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