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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Texas.
How much house can I afford in Texas? →Texas Department of Housing and Community Affairs program offering a below-market 30-year fixed-rate mortgage plus up to 5% down payment/closing cost assistance as a 0%-interest deferred second lien (repaid at sale, refinance, or payoff) for first-time homebuyers and veterans.
Texas State Affordable Housing Corporation program for teachers, firefighters, police/correctional officers, EMS personnel, and veterans: 30-year fixed mortgage plus down payment assistance and Mortgage Credit Certificates.
Texas State Affordable Housing Corporation program for low- and moderate-income Texas homebuyers generally: 30-year fixed mortgage plus down payment assistance and Mortgage Credit Certificates.
TDHCA program providing a federal tax credit equal to 15% of annual mortgage interest paid (roughly $2,000/year in savings) for eligible first-time homebuyers, usable alongside a first mortgage.
Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Texas is constitutionally barred from charging a real estate transfer tax, which is one big reason closing on a $345,000 Texas home can start near $3,450.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Texas guide
In most of the country, the biggest single line on a buyer's closing statement is a tax on the deed itself — a transfer tax, a deed stamp, a realty transfer fee. Whatever the name, it scales with the purchase price and it's unavoidable.
Texas doesn't have one. Not a low one, not one with exemptions — none at all. Article 8, Section 29 of the Texas Constitution, adopted by voters in 2015 and effective January 1, 2016, bars the state and every city and county in it from taxing the transfer of real property. Texas is one of 13 states with no transfer tax, and one of the very few where the ban is constitutional rather than left to the legislature.
That single fact explains most of why Texas closes cheaply. ClosingCorp put the average Texas closing cost at $3,713, or 0.93% of the average sale price, against a 1.6% national average, and credited the gap to the missing transfer tax. On a $345,000 purchase, the difference between 1.6% and 0.93% is about $2,312.
The catch is that "closing costs" means different things to different sources, and Texas is where that ambiguity bites hardest. For how each fee works, start with our full line-by-line breakdown of closing costs.
A note before you start: this is general education, not financial, legal, or tax advice. Every figure here is a statewide number from CalculatorByState's sourced dataset, and your county, lender, title company, insurer, and contract will all move the total — Texas property insurance in particular varies enormously by region, and it lands in your closing costs as a prepaid. Your Loan Estimate and Closing Disclosure are authoritative. Use this to sanity-check them, not to replace them.
Applied to Texas's $345,000 median sale price, a 1-3% range gives you roughly $3,450 to $10,350, midpoint near $6,900. At $350,000 it's about $3,500 to $10,500.
Read the full Texas guide →9 min read · Updated 2026-08-24