Free Tool
Run Your Real Numbers.
Most calculators show principal and interest and call it a payment. This one includes Texas property taxes, insurance, HOA dues, and mortgage insurance — the number that actually hits your account.
Estimated Monthly Payment
$0
Loan amount $0 · 0% loan-to-value
- Principal & interest
- $0
- Property taxes
- $0
- Home insurance
- $0
- Mortgage insurance
- $0
- HOA dues
- $0
Total interest paid
$0
Total of all payments
$0
Amortization by year
Principal and interest only. Taxes, insurance, and HOA dues are excluded because they are not amortized.
| Year | Principal | Interest | Balance |
|---|
This is an estimate, not a quote
Results are for educational purposes only and do not constitute a commitment to lend or an offer of credit. Actual payment depends on your credit profile, verified income, the specific property, current market pricing, and full underwriting approval. Property tax and insurance figures vary significantly by address. Rates and terms are subject to change without notice.
Now Get a Real Number
A calculator uses assumptions. I use your actual credit, your actual income, and current pricing on the programs you qualify for. That conversation takes twenty minutes and costs nothing.
Related Programs
The Down Payment Field Changes Everything
Different programs let you put down very different amounts. Here is where to look next.
Conventional Loans
Down payments from 3% with mortgage insurance that cancels.
Learn moreFHA Loans
3.5% down with more forgiving credit guidelines.
Learn moreVA Loans
Zero down and no monthly mortgage insurance at all.
Learn moreRefinance
Run your break-even before you refinance anything.
Learn moreCalculator Questions
About These Numbers
Why is my estimated payment higher than what I see advertised?
Advertised payments usually show principal and interest only. This calculator includes property taxes, homeowners insurance, HOA dues, and mortgage insurance, which is what actually leaves your bank account each month. In Texas, taxes alone often add 30% or more to the payment.
What property tax rate should I use for Texas?
Most Central Texas districts fall between 1.8% and 2.5% of assessed value. Williamson and Travis County rates vary by city, school district, and MUD. Use 2.1% as a working estimate and we will pull the exact rate for any specific address.
How is the PMI figure calculated?
It applies automatically when your down payment is under 20%, using an annual rate against the loan amount. Real PMI pricing depends on your credit score, loan-to-value, and loan type, and can be lower or higher than the default shown here.
Is this an official quote?
No. This is an educational estimate. An actual quote requires your credit profile, income documentation, and a specific property, and comes to you as a formal Loan Estimate.
Let’s Solve Your Mortgage Situation.
Apply online in about 12 minutes, or grab a free 20-minute strategy call. Either way, you’ll leave knowing more than you do right now.