Texas handles title insurance differently than most states, with the seller typically paying the owner’s policy. Here’s who pays what, what each policy covers, and why skipping the owner’s policy is a risk most Texas buyers shouldn’t take.
Key Takeaways Earnest money in Texas is typically 1 percent of the purchase price, deposited with the title company within 3 business days of contract execution. The option fee and earnest money are two separate deposits with different rules; the option fee is non-refundable, earnest money is protected by contract contingencies. The Texas option period…
Texas conventional loans offer four main down payment tiers, from 3% to 20%, and each one carries different costs, PMI obligations, and qualification requirements. Here’s the breakdown.
Texas buyers often confuse property surveys with home inspections. Here is what each one examines, who orders it, and how much each typically costs across Texas.
Pre-qualification and pre-approval say different things to a Texas seller’s agent. Here is what each letter communicates and why the difference matters when you are making offers.
Texas closing costs run 2% to 5% of the purchase price, but not every line item is fixed. I walk through what’s standard, what’s negotiable, and how buyers can reduce what they pay at closing.
HUD raised FHA loan limits for 2026 across Texas. The floor is $541,287 for most counties, with Travis and other high-cost areas reaching $563,500. Here is what changes for buyers this year.