Cameron County closing costs
The county-specific transfer tax and deed recording fees for Cameron County, Texas - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- none
- ≈ $0 on a $400,000 home
- Typical lender + 3rd-party fees
- $8,967
- median of 2,108 purchase loans · HMDA 2023
Cameron County compared with Texas counties
In the verified Texas county records we have, Cameron County's effective transfer-tax rate ranks #1 of 21 by highest rate. At $400,000, the county-specific transfer tax is $0, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 21
- within verified Texas county pages
- Tax at $400,000
- $0
- state baseline $0
- HMDA fee sample
- 2,108
- purchase loans in 2023
Cameron County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Cameron County
Texas levies NO real estate transfer/excise/conveyance tax at the state, county, OR municipal level — Cameron County has no transfer tax (county_transfer_tax_rate = null), and Brownsville (largest city) has no city transfer tax (city_transfer_tax_rate = null). Closing-cost recording fees are paid per the statutory fee schedule above; by Texas custom these recording fees are typically split or paid per the purchase contract (buyer commonly pays for recording the deed/deed of trust, seller pays for recording releases). No documentary stamp tax exists in TX (unlike FL). County Clerk Sylvia Garza-Perez administers Official Public Records at 964 E. Harrison St., Brownsville, TX 78520; mail recordings to P.O. Box 2178, Brownsville, TX 78522-2178; phone (956) 544-0815.
Recording fees in Cameron County
Deed (Real Property Recording): $36.00 first page + $4.00 each additional page. Additional name to index over 5 = $0.25; missing grantee address penalty = $25.00; missing document title = $5.00; illegible page = double the page fee; certified copy = $5.00 certification + $1.00/page. Source: official Cameron County Clerk Official Records Fee Schedule (effective Jan 1, 2020 / Jan 1, 2022).
Official recorder: Cameron County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Cameron County
Across 2,108 home-purchase mortgages originated in Cameron County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $8,967, of which about $3,905 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 48061, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Cameron County closing costs
Pre-set to Texas. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Cameron County?
Cameron County (Texas): the applicable real-estate transfer tax works out to about none. Texas levies NO real estate transfer/excise/conveyance tax at the state, county, OR municipal level — Cameron County has no transfer tax (county_transfer_tax_rate = null), and Brownsville (largest city) has no city transfer tax (city_transfer_tax_rate = null). Closing-cost recording fees are paid per the statutory fee schedule above; by Texas custom these recording fees are typically split or paid per the purchase contract (buyer commonly pays for recording the deed/deed of trust, seller pays for recording releases). No documentary stamp tax exists in TX (unlike FL). County Clerk Sylvia Garza-Perez administers Official Public Records at 964 E. Harrison St., Brownsville, TX 78520; mail recordings to P.O. Box 2178, Brownsville, TX 78522-2178; phone (956) 544-0815.
What are recording fees in Cameron County?
Deed (Real Property Recording): $36.00 first page + $4.00 each additional page. Additional name to index over 5 = $0.25; missing grantee address penalty = $25.00; missing document title = $5.00; illegible page = double the page fee; certified copy = $5.00 certification + $1.00/page. Source: official Cameron County Clerk Official Records Fee Schedule (effective Jan 1, 2020 / Jan 1, 2022).
How much are closing costs in Cameron County?
Closing costs in Cameron County follow Texas's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in Cameron County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 2,108 home-purchase mortgages in Cameron County were about $8,967, of which roughly $3,905 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest Texas county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.