What would you keep?
Put in your price, what you still owe and when you’d like to close. We take off, line by line, what a Texas sale costs the seller — the loan payoff, the owner’s title policy, your share of escrow and recording, the property-tax proration — and show what’s left for you.
Listing commission: $0
Estimate — rate card pending
What you keep
$140,424.23 estimated, after every line below
Sale price ¶3+ $350,000.00
The sales price in the contract (¶3C).
Owner's title policy ¶6A− $2,155.00
Basic premium for a $350,000.00 owner's policy from rate table PENDING-PLACEHOLDER-2026-09 (effective 2000-01-01). Texas sets this premium, so every title company charges the same. The seller pays it under ¶6A of this contract. Estimate.
Escrow fee (your share) ¶12A(1)(a)− $450.00
50% of a $900.00 escrow fee. Under ¶12A(1)(a) the seller pays half. Estimate.
Deed preparation ¶12A(1)(a)− $250.00
Preparing the deed that transfers the home; a seller expense under ¶12A(1)(a). Default amount until you enter your title company's quote. Estimate.
Tax certificates ¶12A(1)(a)− $80.00
Certificates showing the taxes owed on the property; a seller expense under ¶12A(1)(a). Default amount until you enter your title company's quote. Estimate.
Recording lien releases ¶12A(1)(a)− $60.00
County fees to record the releases of your loans and liens; a seller expense under ¶12A(1)(a). Default amount until you enter your title company's quote. Estimate.
Courier− $50.00
Delivering payoffs and papers for your side of the closing. Each title company sets its own charge. Default amount until you enter your title company's quote. Estimate.
Title guaranty fee (TTIGA)− $2.00
The Texas Title Insurance Guaranty Association fee charged with the owner's policy. It goes with the policy, and you are paying for the policy. Default amount until you enter your title company's quote. Estimate.
Payoff: Your mortgage− $200,410.96
Balance $200,000.00 + interest at 5% for 15 days after 2026-10-31 through closing day ($410.96, on a 365-day year) + fees $0.00. Your lender's payoff statement is the final number.
Property taxes: your share of this year ¶13− $6,117.81
This year's taxes are not paid yet. The buyer pays the bill when it comes, so you credit the buyer for Jan 1 through closing day: 319 of 365 days of a $7,000.00 bill (your last full-year bill, MUD, PID and ESD included). Under ¶13 the parties adjust once the actual bill is out. Estimate.
Listing agent commission$0
You are selling it yourself: no listing agent, so no listing commission.
What this assumes:
- Closing on November 15, 2026.
- Your loan: interest at 5% a year (a placeholder — use your note rate), paid through 2026-10-31.
- Property taxes: last year's bill taken as 2% of the price ($7,000.00); this year's not yet paid.
- You pay the owner's title policy, as most Texas sellers do. No HOA, no repairs or concessions, no buyer's-agent pay.
- Title premium and closing fees from a placeholder schedule, not a title company's quote.
Earnest money and the option fee are not lines here. Both are credited to the buyer at closing (the option fee toward the sales price, ¶5A(4)), so they change what the buyer brings, not what you keep. If the option fee was released to you early, your check at closing is smaller by that amount; the total you keep is the same.
Your title company's settlement statement is the final word on every number.
ListedBy’s tools are not a substitute for the advice of an attorney.
List your home yourself
Find your home on its county appraisal roll and your listing fills itself in: lot, year built and — where the county publishes them — living area, bedrooms and baths. Owner names and mailing addresses stay private.
Listing your home opens soon. Until then, the net sheet above shows what you would keep.