Sellers often plan for the sale price and forget about what comes out of it at closing. Closing costs in Texas typically run somewhere in the 6% to 10% range of the sale price once you factor in commission, title fees, and prorated taxes, so it’s worth knowing what’s coming before you’re staring at a settlement statement. I’m Robbie English, REALTOR and Broker at Uncommon Realty, and here’s what Cedar Park sellers actually pay.
TL;DR – Seller Closing Costs in Cedar Park
- Expect total seller closing costs, including commission, in roughly the 6-10% range of your sale price.
- In Texas, the seller customarily pays for the buyer’s owner’s title policy. It’s convention, not law, but breaking from it can cost you offers.
- Escrow fees are typically split between buyer and seller. Property taxes get prorated based on how long you owned the home during the year.
- Which costs you actually pay comes down to what’s negotiated in the contract, so read that section closely.
What’s Actually on a Seller’s Closing Statement
As a seller in Cedar Park, expect line items for the owner’s title policy, real estate commission, escrow and closing fees, prorated property taxes, and, if your home is in an HOA, transfer or resale certificate fees. Not every line is fixed. Some of it depends on what’s written into your specific contract.
The Owner’s Title Policy
In Texas, it’s customary for the seller to pay for the buyer’s owner’s title insurance policy. That’s not a legal requirement, it’s market convention, but going against it in anything but a strong seller’s market tends to cost you offers. Title insurance premiums in Texas are set by the Texas Department of Insurance, so the rate is the same no matter which title company you use, though which company handles the closing can still be negotiated.
Commission: The Largest Line Item
Real estate commission is typically the biggest cost on a seller’s closing statement, generally split between the listing agent and the buyer’s agent and paid out of your proceeds. The percentage is negotiable and varies by agent and situation. What you’re paying for is the work behind pricing, marketing, negotiation, and getting the deal to close without falling apart along the way.
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Escrow Fees and Prorated Taxes
Escrow fees cover the title company’s work handling paperwork and holding funds in trust through closing, and they’re typically split between buyer and seller, though that too can be negotiated. Property taxes get prorated at closing: you’ll owe the buyer for the portion of the year you owned the home. Given Texas’s relatively high property tax rates, that proration can be a meaningful number, so it’s worth having a real estimate before you get to the closing table, not a surprise on the day of.
Costs That Catch Sellers Off Guard
A few items tend to surprise sellers late in the process: HOA resale certificate fees, mortgage payoff fees if your loan has one, survey updates if the buyer’s lender requires a new one, and any repair credits negotiated after the buyer’s inspection. None of these are unusual, but they’re easy to forget when you’re estimating your net proceeds early on.
What’s Negotiable
Who pays which fee is set by convention in most cases, but it’s still negotiable within your specific contract. In a buyer’s market, sellers sometimes cover more of the buyer’s closing costs to make an offer more attractive. In a tighter market, that flexibility shrinks. Knowing where the actual negotiation room is, versus what’s essentially fixed by local practice, is where working with someone who reads these contracts regularly pays off.
Let’s Run Your Numbers
A general range is useful for planning, but your actual net proceeds depend on your specific loan payoff, HOA situation, and negotiated terms. If you want a real estimate before you list, let’s talk it through.
Robbie English, REALTOR and Broker at Uncommon Realty is here to help you avoid surprises at the closing table.
