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Unpaid Texas property taxes don't sit still: penalties and interest are added every month, and if the balance stays unpaid the taxing units can file a tax lawsuit and, after a judgment, sell the property at a public tax sale. Hispania Home Buyers reviews properties with past-due taxes in Greater Houston, Fort Worth and Weatherford, so you can compare a direct sale — with the back taxes paid from the proceeds at closing — against a payment plan or listing, before deciding anything. No pressure. We help. You decide.
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Many county tax offices offer installment agreements, and homeowners who are 65 or older or disabled may qualify to defer taxes on a homestead. Your county tax office can confirm what applies.
If there is enough equity, refinancing or listing with an agent may cover the taxes and could bring a higher price when time allows.
Past-due taxes are typically paid from the sale proceeds at closing through the title company. No repairs or showings are required to request a review.
Every tax situation is different. Hispania does not provide legal or tax advice; your county tax office, a tax professional or an attorney can confirm what applies to you.
Penalties and interest keep accruing. Delinquent taxes accrue a penalty and monthly interest under the Texas Tax Code, so the balance grows the longer it stays unpaid.
A payment plan may be an option. If you are delinquent on the taxes of the residence homestead you own and occupy and you have been granted a homestead exemption on that property, Texas law gives you the right to an installment agreement: the tax collector must let you pay the delinquent taxes, penalties and interest in monthly installments over 12 to 36 months, if you ask and meet the other legal conditions (including not having had an installment agreement with that taxing unit in the previous 24 months). The granted exemption is what makes that agreement mandatory — the property being your main home by itself is not enough. Without a granted homestead exemption, the collector is not required to agree, but may still grant a voluntary installment agreement at their discretion — so it is still worth asking.
Homeowners 65 or older, or disabled, may be able to defer. Texas law allows eligible homeowners to defer paying taxes on their residence homestead. A deferral postpones the taxes — it does not forgive them — and penalties and interest are treated differently while it is in place. Your county tax office can confirm if you qualify.
If a tax lawsuit is filed and a judgment is granted, the property can be sold at a public tax sale held between 10 a.m. and 4 p.m. on the first Tuesday of the month (or the first Wednesday if the first Tuesday falls on January 1 or July 4). Selling before that point is one option; a payment plan or deferral may be another.
We don't provide legal or tax advice — your county tax office, a tax professional or an attorney can confirm what applies to your property.
Sources: Texas Tax Code §33.01 (penalties and interest), §33.02 (installment payment agreements), §33.06 (deferral for homeowners 65 or older or disabled) and §34.01 (tax sales) — official text at statutes.capitol.texas.gov.
Generally, yes. Past-due taxes, penalties and interest are usually paid from the sale proceeds at closing through the title company, and the payoff appears in the written offer and closing statement.
Timing matters, so it helps to act early. We can still review the property; an attorney or the county tax office can confirm deadlines and requirements in your case.
No. Repairs are not required to request a review. Condition is considered, and a visit or additional information may be needed before a final offer.
No. Requesting a review never obligates you to sell. We do not charge a real estate commission when we buy directly, and costs are set out in the written offer.
Often, yes. Texas law (Tax Code §33.02) gives owners who are delinquent on a residence homestead with a granted homestead exemption the right to an installment agreement: the plan runs 12 to 36 months and the tax collector must offer one if you request it and meet the legal conditions, including not having had an agreement with that taxing unit in the previous 24 months. Without a granted homestead exemption, the collector isn't required to agree — but may still grant a voluntary plan, so it is worth asking anyway. Ask your county tax office for the exact terms — and compare the total you'll pay under the plan with your other options before deciding.
A tax sale comes after a taxing unit files a delinquent tax lawsuit and obtains a judgment. The sale itself is a public auction held between 10 a.m. and 4 p.m. on the first Tuesday of the month (Texas Tax Code §34.01). If you've received court papers, treat the dates seriously and talk with an attorney — and know that selling the property, with the taxes paid at closing, is still an option many owners review before a judgment.
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