REALTOR TOOL

The number every seller asks for.

“What do I actually walk away with?” Texas title premiums are state-promulgated — identical at every title company — so unlike the estimates elsewhere, this net sheet computes the owner's policy to the dollar, plus payoff, commissions, and prorated county taxes. Bring it to the listing appointment. Open to any Texas agent.

Sale price *

Total loan payoff(s)

Total commissions (%) *

Seller credit to buyer ($)

Texas ZIP code *

Sets the county for tax proration (Harris).

Estimated closing date *

Escrow / settlement fee ($)

Recording / deed prep / misc. ($)

Seller pays the owner's title policy (Texas custom)

Estimated seller net

$118,357

Sale price: $400,000
− Loan payoff: $250,000
− Commissions (6%): $24,000
− Owner's title policyTDI promulgated rate, effective March 1, 2026: $2,262
− Property tax proration (Jan 1 → closing)Harris County est. 2.20% — paid in arrears: $4,581
− Escrow / settlement fee (seller side): $450
− Seller credit to buyer: $0
− Recording, deed prep, courier, misc.: $350
Seller walks away with: $118,357

Estimates only. The owner's title policy premium is the TDI promulgated rate (effective March 1, 2026) — the same at every Texas title company. Tax proration is an estimate; actual rate varies by exact taxing district (ISD, MUD, PID). Payoff amounts come from the lender's payoff statement, which includes per-diem interest not shown here. HOA resale certificates, transfer fees, home warranties, and negotiated repairs are not included unless entered above. Not a commitment to lend and not a substitute for the title company's official closing statement. Closewiser — NMLS #1660690. Loan Officer Liam Yang — NMLS #1709271. Equal Housing Lender.