Homestead Exemption Apply After Closing

One of the first things you should do after closing on a Texas home is apply for the homestead exemption. The exemption reduces your taxable value and caps annual assessment increases at 10%.

Apply through your county appraisal district. The deadline is April 30 of the tax year for which you're applying. You must have owned and occupied the property as your primary residence on January 1 of that year.

• Dallas County: dcad.org
• Collin County: collincad.org
• Denton County: dentoncad.com
• Tarrant County: tad.org
• Other counties: search "[county name] appraisal district"

Utility Setup

When you close on a Texas home, you'll need to set up utilities in your name. Electricity in Texas is deregulated you choose your provider and plan. Use PowerToChoose.org (the official state comparison tool) to compare plans.

Natural gas is typically provided by Atmos Energy in most DFW communities. Water and wastewater are usually provided by the city.

• Electricity: PowerToChoose.org to compare deregulated providers
• Natural gas: Atmos Energy (most DFW areas) atmosenergy.com
• Water/wastewater: contact your city utility department
• Internet: compare AT&T Fiber, Frontier Fiber, and local providers
• Trash: often included in city utility bill or separate subscription

Foundation Care

Texas's expansive clay soils are the primary cause of foundation movement. Maintaining consistent soil moisture around your foundation is the most important thing you can do to prevent foundation problems.

During dry periods, water the soil around your foundation perimeter to prevent it from shrinking and pulling away from the foundation. During wet periods, ensure drainage directs water away from the foundation.

• Install a soaker hose system around the foundation perimeter
• Water consistently during dry periods (especially summer)
• Ensure gutters direct water away from the foundation
• Maintain consistent grade sloping away from the foundation
• Have a foundation inspection if you notice cracks or door/window issues

HVAC Maintenance

Texas summers are demanding on HVAC systems. Regular maintenance extends equipment life and maintains efficiency.

• Replace air filters every 1–3 months (more often with pets)
• Schedule professional HVAC service twice per year (spring and fall)
• Clean condenser coils annually
• Check refrigerant levels if cooling performance declines
• Clear debris from outdoor condenser unit
• Consider a programmable or smart thermostat

Seasonal Maintenance

Texas's climate creates specific seasonal maintenance needs. Summer heat, occasional winter freezes, and spring storms all require preparation.

Property Tax Reminders

Texas property taxes are due January 31 of the following year. Taxes paid after January 31 accrue penalties and interest.

If your mortgage includes an escrow account, your lender pays your property taxes from the escrow. Verify that your lender has paid on time each year.

• Tax bills mailed: October–November
• Due date: January 31
• Penalty begins: February 1
• Protest deadline: May 15 (or 30 days after notice)
• Homestead exemption application deadline: April 30

Home Insurance

Texas homeowner's insurance rates are among the highest in the country due to hail, wind, and flood risk. Review your policy annually and compare rates.

Standard homeowner's insurance does not cover flood damage. If your property is in or near a flood zone, consider separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer.