Closing costs are one of the most surprising expenses for first-time buyers. You've saved your down payment — and then you find out there's another 2–5% of the purchase price due at the closing table. Here's exactly what those costs are and how to reduce them.

What's Included in Closing Costs

Lender fees (origination, underwriting), third-party fees (title insurance, appraisal, survey), prepaid items (homeowner's insurance, property taxes held in escrow), and government fees (recording fees, transfer taxes).

Texas Estimate

On a $350,000 home in Texas, expect roughly $7,000–$12,000 in total closing costs. Texas title insurance premiums are set by the state, which actually makes them more predictable than in other states.

How to Reduce What You Pay at Closing

Negotiate seller concessions (the seller pays a portion of your closing costs). Use down payment assistance programs that also cover closing costs. Ask about lender credits in exchange for a slightly higher rate. Time your closing date to reduce prepaid interest.

Have a question about your specific situation? Call or text (269) 830-0020 directly.

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Frequently Asked Questions

Can I roll closing costs into my loan?▾
On a purchase, you generally can't roll closing costs into the loan directly. But you can structure it so the seller pays them (seller concessions), or use a lender credit where you accept a slightly higher rate in exchange for the lender covering costs. I model all options side by side so you can see exactly what each approach costs you long-term.
What is a Loan Estimate and when will I get one?▾
A Loan Estimate is a standardized 3-page document that outlines your loan terms, interest rate, and projected closing costs. Federal law requires lenders to provide it within 3 business days of receiving your application. It's one of the most important documents in the mortgage process — and I walk every client through it line by line.

Want a real closing cost estimate for your situation? I'll put together exact numbers — no hidden fees, no surprises.

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