--- title: What your closing costs actually pay for | Calder & Main Journal description: Every line on a Texas closing statement, in plain English. image: https://www.nopethemes.com/hubfs/realestate-demo/blog-6.jpg --- [Skip to main content](https://www.nopethemes.com/porchlight/blog/what-your-closing-costs-pay-for#main-content) Open house this Saturday: [2507 Windsor Rd, Tarrytown · 11–2 →](https://www.nopethemes.com/porchlight/open-house) [(512) 555-0172](tel:+15125550172)·[Free home valuation](https://www.nopethemes.com/porchlight/free-home-valuation)·[Rentals](https://www.nopethemes.com/porchlight/rent) [**Calder & Main**Realty · Austin, Texas](https://www.nopethemes.com/porchlight/home) - Buy Find a home - [Search all listingsEvery home on the MLS](https://www.nopethemes.com/porchlight/listings) - [First-time buyersSteps, costs, timeline](https://www.nopethemes.com/porchlight/buy) - [Map searchPrices on every pin](https://www.nopethemes.com/porchlight/listings#map-search) - [Mortgage calculatorEstimate your payment](https://www.nopethemes.com/porchlight/buy#mortgage) - 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[Valuation](https://www.nopethemes.com/porchlight/valuation) - [Blog](https://www.nopethemes.com/porchlight/blog) - [Contact](https://www.nopethemes.com/porchlight/contact) [Talk to an agent](https://www.nopethemes.com/porchlight/contact) [(512) 555-0172](tel:+15125550172)[Free home valuation](https://www.nopethemes.com/porchlight/free-home-valuation)[Rentals](https://www.nopethemes.com/porchlight/rent) [Buying](https://www.nopethemes.com/porchlight/blog/tag/buying)·1 min read # What your closing costs actually pay for ![](https://www.nopethemes.com/hs-fs/hubfs/realestate-demo/agent-7.jpg?width=48&height=48&name=agent-7.jpg) [Linda Patterson](https://www.nopethemes.com/porchlight/blog/author/linda-patterson)·September 3, 2026 ![What your closing costs actually pay for](https://www.nopethemes.com/hubfs/realestate-demo/blog-6.jpg) Linda has walked more than 2,000 buyers through a closing statement. Here is every line, in plain English. ## Lender costs The origination fee, appraisal and credit report. On an $800,000 home these usually total $3,000 to $6,000, and they are worth comparing between lenders. ## Title costs In Texas the seller usually pays for the owner's title policy. You pay for the lender's policy, the escrow fee and the survey, if a new one is needed. ## Prepaids A year of homeowners insurance, a few months of property tax into escrow and the interest from closing day to the end of the month. These are not fees, but they need cash on the day. ## What to bring A wire for the exact amount on the final statement, confirmed by phone with the title company. Never trust wiring instructions that arrive only by email. Share this post [mailto:?subject=A%20note%20from%20Ashcombe%20%26%20Reed&body=https%3A%2F%2Fwww.nopethemes.com%2Fporchlight%2Fblog%2Fwhat-your-closing-costs-pay-for](mailto:?subject=A%20note%20from%20Ashcombe%20%26%20Reed&body=https%3A%2F%2Fwww.nopethemes.com%2Fporchlight%2Fblog%2Fwhat-your-closing-costs-pay-for) ![](https://www.nopethemes.com/hs-fs/hubfs/realestate-demo/agent-7.jpg?width=72&height=72&name=agent-7.jpg) Written by[Linda Patterson](https://www.nopethemes.com/porchlight/blog/author/linda-patterson) Linda has coordinated every Calder & Main closing since the first one. Closing coordinator at Calder & Main Realty. ## More from the Journal ### [![Pre-approval vs. pre-qualification: what sellers want to see](https://www.nopethemes.com/hubfs/realestate-demo/blog-2.jpg) Buying · 1 min Pre-approval vs. pre-qualification: what sellers want to see Why one letter wins bidding wars and the other doesn't.](https://www.nopethemes.com/porchlight/blog/pre-approval-vs-pre-qualification) ### [![What $800k buys in five Austin neighborhoods](https://www.nopethemes.com/hubfs/realestate-demo/blog-1.jpg) Market report · 2 min What $800k buys in five Austin neighborhoods Square footage, lot size and school ratings, compared street by street.](https://www.nopethemes.com/porchlight/blog/what-800k-buys-in-five-austin-neighborhoods) ### [![How to price your home in a slower fall market](https://www.nopethemes.com/hubfs/realestate-demo/blog-4.jpg) Selling · 1 min How to price your home in a slower fall market The three comps we use and the one we ignore.](https://www.nopethemes.com/porchlight/blog/how-to-price-your-home-in-a-slower-fall-market) [All notes](https://www.nopethemes.com/porchlight/blog) ## Thinking about a move? Ask someone who lives there. A 30-minute call with a local agent. You leave with a price range, three neighborhoods and a plan. 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