MORTGAGE CALCULATOR

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.
Want to know what you actually qualify for? 
 
These numbers are averages. We'll run yours — with real Texas taxes, insurance, and the exemptions that lower both.
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Texas Mortgage Calculator & Home Financing Resources

Use the mortgage calculator above to estimate your monthly principal and interest, then explore the resources below to better understand loan options, down payment programs, closing costs, and the homebuying process.

Understand Your Mortgage Options

Types of Mortgage Loans: A Complete Guide for Texas Homebuyers

Compare conventional, FHA, VA, USDA, jumbo, adjustable-rate mortgages, and other financing options available to Texas homebuyers.

Read the Mortgage Loan Guide

FHA vs. Conventional Loans in Texas

Learn how FHA and conventional mortgages compare when it comes to down payment, credit requirements, mortgage insurance, qualification, and long-term cost.

Compare FHA vs. Conventional

Understanding Adjustable-Rate Mortgages (ARMs)

Understand how adjustable-rate mortgages work, when the interest rate can change, and situations where an ARM may make sense compared with a fixed-rate mortgage.

Read the ARM Guide

Down Payment & Buyer Assistance

Texas First-Time Home Buyer Programs

Explore Texas first-time homebuyer programs, potential down payment assistance, financing options, and important steps to take before getting pre-approved.

View First-Time Buyer Programs

Know the True Cost of Buying

The Hidden Costs of Buying a Home in Texas

Your mortgage payment isn't the only number that matters. Learn about earnest money, option fees, inspections, appraisals, closing costs, property taxes, homeowners insurance, HOA fees, maintenance, and other expenses.

See the Hidden Costs of Buying

Prepare Before You Start Shopping

Buying a Home in Texas

Walk through the Texas homebuying process, including mortgage pre-approval, determining your budget, searching for homes, making an offer, inspections, financing, and closing.

Read the Texas Home Buying Guide

Know Your Payment. Then Build the Right Buying Strategy.

A mortgage calculator is a great starting point, but an online estimate cannot account for every loan program, property tax rate, insurance cost, builder incentive, seller contribution, HOA fee, or property-specific expense.

Once you have an estimated payment in mind, the next step is determining what purchase price and financing strategy actually fit your goals.

Talk With Kory About Your Buying Plan

Mortgage calculations and information provided are for educational and illustrative purposes only and are not a loan estimate, lending commitment, or guarantee of financing. Actual rates, payments, loan programs, taxes, insurance, and closing costs will vary based on the borrower, lender, property, and market conditions.