How much will I actually net selling my home in Flower Mound?

Most Flower Mound sellers walk away with roughly 90 to 94% of their sale price after commission, Texas title insurance, prorated property taxes, and closing fees, before their mortgage payoff. On a $700,000 home, that typically works out to $630,000 to $658,000 in gross proceeds. Your exact number depends on your commission agreement, your closing date, and whether you still owe a survey.

By Brian White | July 23, 2026

If you've sold a home before, you probably remember the moment the settlement statement landed and the number was smaller than you expected. It catches almost everyone, even people who've done this before, because the gap between your sale price and your actual check is made up of several smaller costs that rarely get mentioned together in one place.

Here's what actually comes off the top when you sell in Flower Mound, and what a real example looks like once you add it all up.

What Actually Reduces Your Proceeds

Four things do most of the work.

Commission. DFW listing agreements typically run 5 to 6% combined, covering both the listing side and whatever you choose to offer a buyer's agent. Since the 2024 NAR settlement, offering buyer-agent compensation is no longer automatic or MLS-advertised, it's a decision you make with your agent, but most Flower Mound sellers still offer something competitive to keep the buyer pool wide. On a $700,000 sale at 5.5%, that's $38,500.

Title insurance. Texas sets owner's title insurance premiums by state-promulgated rate, so every title company charges the same amount for the same sale price. As of March 2026, that's roughly $2,847 on a $500,000 home and climbs from there, landing around $4,000 on a $700,000 Flower Mound sale. This is a seller cost in most Texas transactions, and it's non-negotiable since the rate is fixed by the state.

Prorated property taxes. In Texas, you pay property tax for every day you owned the home during the calendar year, from January 1 through your closing date. If your Denton County tax bill runs around $14,000 a year and you close mid-year, that's roughly $7,000 credited to the buyer at closing, money you don't get to keep even though it's technically your money for the months you owned the house.

Survey and miscellaneous closing fees. If you don't have an existing survey the title company can accept, a new one runs $400 to $900 in Denton County. Add another few hundred dollars in title company closing and escrow fees, and you're looking at roughly $500 to $1,000 more.

What This Looks Like on a $700,000 Flower Mound Home

Add it up and here's a realistic walkthrough:

• Sale price: $700,000
• Commission (5.5%): -$38,500
• Title insurance: -$4,000
• Prorated property tax (mid-year closing): -$7,000
• Survey and closing fees: -$700
• Gross proceeds before mortgage payoff: roughly $649,800, or about 93% of your sale price

From there, your mortgage payoff (and any home equity loan or lien) comes out before you see a check. If you're weighing whether the capital gains exclusion applies to you, that's a separate calculation on top of this one, and it matters most if you've owned your Flower Mound home a long time and built significant equity.

Where Your Number Will Differ

Every sale is a little different. A few things move the needle:

• Commission you negotiate. Top-producing agents in this market sometimes work for less on the right listing, and every commission conversation is negotiable by law.
• Your closing date. Closing early in the year means a smaller property tax credit to the buyer. Closing late in the year means a bigger one.
• HOA transfer or resale certificate fees, if your neighborhood has an HOA, typically $250 to $400.
• Repairs or credits you agree to after inspection, which come straight out of your proceeds, not a separate line item most people budget for up front.

This is exactly the kind of number that needs to be run against your actual home, your actual mortgage balance, and your actual timeline, not a generic percentage. Southlake sellers ask this same question constantly, and the math changes meaningfully based on your specific neighborhood, tax rate, and loan payoff.

Frequently Asked Questions

What percentage of my sale price will I actually keep in Flower Mound?

Most sellers net roughly 90 to 94% of their sale price before mortgage payoff, after commission, title insurance, prorated property taxes, and closing fees. Your specific number depends on your commission agreement and closing date.

Do sellers pay a transfer tax in Texas?

No. Texas doesn't have a real estate transfer tax, unlike many other states. Your main costs are commission, title insurance, prorated property taxes, and closing fees.

Who pays for title insurance in a Flower Mound home sale?

In most Texas transactions, the seller pays for the buyer's owner's title insurance policy. The rate is set by the state and is the same at every title company for a given sale price, so it isn't something you can shop around on.

How much will my property tax proration cost me at closing?

It depends entirely on your closing date. You owe property tax for every day you owned the home in that calendar year, so a mid-year closing typically means crediting the buyer roughly half your annual tax bill.

Is commission still negotiable after the NAR settlement?

Yes. Real estate commissions have always been negotiable, and the 2024 NAR settlement made that more explicit by separating buyer-agent compensation from the MLS. You and your agent decide together what to offer.

If you're trying to figure out what you'd actually walk away with on your Flower Mound home, schedule a free Move-Up Strategy Call, thirty minutes, no pitch, just a clear-headed look at your real numbers before you list.

About Brian White

Brian White helps families in Northwest DFW make their move-up cleanly, selling and buying in one synchronized step. He built BlueFuse Group on a simple standard: other-first service, proactive at every turn, faith and excellence in equal measure. Brian has been married to Tisha for 27 years and is dad to three adult sons. When he's not protecting a family's equity or untangling a tight closing timeline, you'll find him chasing a round of golf or at Valley Creek Church.

Schedule a Move-Up Strategy Call — no pitch, just a clear-headed look at your next move.