Houston Seller Net Proceeds Calculator
Estimate what you would walk away with when you sell a Houston-area home. The calculator prices the owner's title policy from the Texas Department of Insurance's 2026 rate table, prorates property taxes through your closing date and subtracts your loan payoff and typical seller closing costs. Change any number to match your situation, then ask us for an exact net sheet.
Estimated net proceeds
$0
Before any taxes on the sale. Your title company's settlement statement is the final figure.
Escrow, document and courier fees are typical Houston-area figures; each title company sets its own. The owner's title policy is the same at every Texas title company because the state sets the rate.
Or call or text (832) 777-3904.
The owner's title policy at Texas rates
Texas sets the owner's title policy premium statewide, so it doesn't change from one title company to the next. The current table took effect March 1, 2026, under the Texas Department of Insurance's Commissioner's Order 2025-9697. In the Houston area the seller customarily pays for the buyer's owner's policy, and the TREC resale contract has a box that says which side pays.
| Sale price | Owner's title policy premium (2026) |
|---|---|
| $200,000 | $1,274 |
| $300,000 | $1,768 |
| $400,000 | $2,262 |
| $500,000 | $2,756 |
| $750,000 | $3,991 |
| $1,000,000 | $5,226 |
| $1,500,000 | $7,256 |
Above $100,000, the premium is $780 plus $4.94 per $1,000 up to $1 million, then $5,226 plus $4.06 per $1,000 up to $5 million. Policies of $100,000 or less use the state's table, starting at $308.
How property taxes are prorated
Under paragraph 13 of the TREC resale contract, the current year's taxes are prorated through the closing date. Before the year's bill comes out, usually in November, title companies prorate from last year's bill, and the contract has buyer and seller adjust once the real bill arrives. If this year's taxes aren't paid at closing, your share for the days you owned the home is credited to the buyer, who then pays the whole bill. If you already paid the year in full, the buyer reimburses you for the days after closing. The calculator counts the closing date as one of your days; a title company may count it a day differently, so treat the result as an estimate.
Your homestead exemption doesn't transfer to the buyer, and the contract lets the proration account for that change. If you're not sure what to enter, use your last full tax bill, or read how the homestead exemption works.
Other seller costs to expect
| Item | Typical amount | Who usually pays |
|---|---|---|
| Mortgage payoff and interest to the payoff date | From your lender's payoff statement | Seller, out of the sale proceeds |
| Escrow or settlement fee | About $200 to $400 for your half | Split between buyer and seller under the contract |
| Deed preparation | About $100 to $250 | Seller |
| Release of lien recording | $25 for the first page in Harris County, plus $4 for each added page | Seller, when a loan is paid off |
| Tax certificates, courier and wire fees | About $35 to $150 in total | Often the seller; it depends on the title company |
| Survey | About $25 with an existing survey and T-47 affidavit; about $350 to $800 for a new one | Set by the survey box in the contract |
| HOA resale certificate | Up to $375 under Texas law | Set in the HOA addendum (TREC 36-11) |
| Home warranty for the buyer | About $350 to $750, if you agree to one | Seller, only if the contract says so |
For the buyer's side of the same costs, see closing costs in Texas for buyers and sellers. To see what your home might sell for first, start with a free home valuation.
Seller net proceeds FAQ
How much is an owner's title policy in Texas?
The Texas Department of Insurance sets the premium for every title company. Under the rates in effect since March 1, 2026, the owner's policy costs $1,768 on a $300,000 sale, $2,756 on a $500,000 sale and $5,226 on a $1,000,000 sale.
Who pays for the owner's title policy when you sell a house in Houston?
In the Houston area the seller customarily pays for the buyer's owner's title policy, and the TREC resale contract has a box that says which side pays. The escrow fee is usually split between buyer and seller.
How are property taxes handled when I sell my house in Texas?
The current year's taxes are prorated through the closing date. Before the year's bill comes out, the title company uses last year's bill, and buyer and seller adjust once the real bill arrives. If the taxes aren't paid at closing, your share is credited to the buyer; if you already paid the full year, the buyer reimburses you for the days after closing.
What comes out of a seller's proceeds at closing?
Your mortgage payoff and interest to the payoff date, the owner's title policy if you're paying for it, your half of the escrow fee, deed preparation, the recording fee to release your lien, your share of the year's property taxes, survey costs if the contract puts them on you, an HOA resale certificate if there's an HOA, and any repairs, credits or buyer costs you agree to in writing.
Will I owe tax on the money from my home sale?
The title company reports most home sales to the IRS on Form 1099-S. If the home was your main home for at least two of the last five years, IRS rules let many owners exclude up to $250,000 of gain, or up to $500,000 for most married couples filing jointly. Ask a tax professional how the rules apply to you.
Sources
- Texas Department of Insurance: title insurance basic premium rates effective March 1, 2026 and Commissioner's Order 2025-9697, checked October 30, 2026.
- Texas Real Estate Commission: One to Four Family Residential Contract (Resale), form 20-19, paragraphs 6, 12 and 13, checked October 30, 2026.
- TREC addendum for property subject to a mandatory owners' association, form 36-11, checked October 30, 2026.
- Texas Legislature: S.B. 1588 (2021), resale certificate fee limits, checked October 30, 2026.
- Harris County Clerk: real property recording fees, checked October 30, 2026.
- Harris County Tax Office: property tax FAQ, checked October 30, 2026.
- IRS Topic 701, sale of your home and instructions for Form 1099-S, checked October 30, 2026.
This calculator gives an estimate for planning only. It isn't legal, tax or lending advice, and the settlement statement from your title company controls. Compean Group is a real estate team, not a lender or a title company.
Related
Call or text (832) 777-3904, email evan@thecompeangroup.com or send us a message. We work with clients in English and Spanish.
Updated October 30, 2026.