Texas Homebuyer Tool

    Texas Mortgage Payment Calculator

    Estimate the full monthly housing expense for a specific Texas property, including the costs generic principal-and-interest calculators leave out.

    Texas Payment Calculator

    Estimate the complete monthly housing expense for a specific Texas property

    Use the property’s full combined tax rate and actual insurance quotes when available. County averages can miss city, school district, MUD, and other local taxes.
    Include every taxing jurisdiction for the property, including any MUD.
    Enter 0 if PMI does not apply. Actual PMI requires a quote.
    Loan structure
    Down payment: $35,000 (10.00%)
    Base loan amount: $315,000
    Total financed loan amount: $315,000

    Estimated monthly housing expense

    Principal & Interest
    $2,043.08
    Property Taxes
    $612.50
    Homeowners Insurance
    $150.00
    Estimated Total Monthly
    $2,805.58
    Estimated down payment plus any fee paid upfront: $35,000. This is not cash to close and does not include closing costs, prepaid expenses, credits, or reserves.
    Educational estimate only. This calculator does not determine eligibility, approval, cash to close, or final loan terms. Property taxes, insurance, HOA dues, mortgage insurance, agency fees, and rates must be verified for the specific borrower and property. Shalanda Smith · NMLS #554554 · Keys by Shalanda · Powered by Secure Choice Lending · NMLS #1689518

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    Shalanda Smith, NMLS #554554

    Keys by Shalanda is the personal brand of Shalanda Smith, operating under Secure Choice Lending, NMLS #1689518. Licensed in Texas by the Texas Department of Savings and Mortgage Lending.

    Company office: 1650 Spruce St., Suite 500, Riverside, CA 92507 · Serving homebuyers across all of Texas

    Texas SMLNMLS Consumer Access

    Texas Consumer Complaint Notice

    Consumers wishing to file a complaint against a mortgage banker or licensed mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Toll-free: 1-877-276-5550. sml.texas.gov

    All loans are subject to credit approval. Rates and terms are subject to change without notice. This is not a commitment to lend.

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