Usually 0.5-1% of your loan amount. This is your lender’s fee for processing your mortgage. Think of it as their payment for handling all your paperwork and getting your loan ready to go. The fee covers everything from processing your application to underwriting the loan. Some lenders call this a “processing fee” or “underwriting fee,” but they all serve the same purpose.

Normally $300-600. An independent expert determines your home’s value. Lenders require this to ensure they’re not lending more than the house is worth. The appraiser will compare your home to similar properties that have recently sold in the area and consider factors like location, condition, and special features.

This can vary from $300-500 or more depending on the complexity of the inspection you choose. This is your detective work on the house! An inspector checks everything from the roof to the foundation, helping you avoid costly surprises later. They’ll provide a detailed report with photos and recommendations, which you can use to negotiate repairs with the seller or budget for future maintenance.

Usually between 0.6% to 1% of the purchase price of the home. This protects you if someone later claims ownership rights to your property. It’s a one-time fee that covers you for as long as you own the home. This could protect you if, for example, a previous owner’s heir shows up claiming ownership or if there are unpaid construction liens you didn’t know about.

From $200-400. Ensures the seller has the legal right to sell the property and there are no liens or claims against it. Think of it as the home’s background check. The title company will dig through county records, sometimes going back 50 years or more, to verify the chain of ownership and any potential issues.

A property survey is usually from $400-700. It maps out your property boundaries and identifies easements. Required by most Texas lenders and helps prevent future boundary disputes. A survey can also show if any structures, like fences or driveways, encroach on neighboring properties or if your neighbor is encroaching on your property.

Escrow Account Setup can vary widely from $500-1,000 or more. This account holds funds for your property taxes and homeowners insurance. The amount varies based on your tax rate and insurance costs. Your lender will typically require 2-3 months of reserves upfront, plus the prorated amount needed to cover upcoming bills.

Attorney fees can range from $500-1,500. While not required in Texas, many buyers choose to have an attorney review their contracts and closing documents for peace of mind. They can explain complex legal terms and ensure your interests are protected. In complicated transactions, like those involving unique property features or unusual contract terms, an attorney’s expertise can be particularly valuable.

Approximately $100-200. Your County charges for officially recording your deed and mortgage documents. Makes your ownership public record. These fees vary by county and the number of pages being recorded, but they’re essential to establish your legal ownership of the property.

From $50-$100. Lenders charge this to pull your credit history, helping them determine your interest rate and loan terms. They’ll actually pull your credit from all three major credit bureaus (Experian, TransUnion, and Equifax) to ensure they have a complete picture of your creditworthiness.