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Texas Mortgage Calculator

Estimate Your Monthly Mortgage Payment

Use our Texas mortgage calculator to quickly estimate your monthly payment, including principal, interest, taxes, insurance, and other common home loan costs.

Mortgage Calculator - Rate Assumptions

Use the free mortgage calculator to help estimate the cost of your next Texas mortgage loan. Check our mortgage rates today above and then key in your rates, term, down payment and estimated taxes, insurance and monthly HOA. The calculator will help provide a clear breakdown of your monthly mortgage payments with taxes and insurance included. The Texas housing market is still hot but the the Lone Star State’s housing market still remains reasonably, and currently the 15th lowest median home value in the U.S. While Texas does not have a state income tax, they do offset these taxes by paying higher property taxes. Property itself in much of Texas is relatively cheap compared to the rest of the U.S.

Use the free Texas mortgage calculator to calculate 30, 25, 20, 15 and 10 year monthly mortgage payments.

We offer low rates on FHA loans, VA loans, Conventional mortgages, Jumbo home loans, and Mortgage Refinancing—providing clear guidance and a personalized approach to keep home financing simple and stress-free.

TX Mortgage Rate Assumptions

Calculator/Rates shown assume a purchase transaction.
Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 80% for conventional loans; a minimum FICO score of 740; and a loan amount of $300,000 for conforming loans, unless otherwise specified.
Annual Percentage Rate (APR) calculations assume a purchase transaction.
Rates may be higher for loan amounts under $300,000. Please call for details.
Rates are subject to change without notice.
Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
Subject to underwriter approval; not all applicants will be approved.
Fees and charges apply.
Payments do not include taxes and insurance.
Assumes – 30 Day Rate Lock.
Rates based on Texas property.
Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA, VA and USDA loans as well as conventional loans where the loan to value is greater than 80%.
Restrictions may apply.
Lender Fees & Appraisal Fees may apply

Mortgage Calculator Disclaimer:

Our free Texas mortgage calculator provides estimated payment figures for informational purposes only and does not constitute a commitment to lend, loan approval, or a rate guarantee.

This mortgage calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts. This is not an advertisement to extend credit as defined by Regulation Z nor an application for credit as defined by RESPA/Regulation X.

The above information is meant for educational purposes only, the approximate origination charges, and total approximate funds needed to close is just an illustration and may not be accurate to your personal loan scenario. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges. Consult a tax professional, financial planner or CPA for information concerning any tax implications for your specific situation. Actual fees and costs and payments may vary. As a result of refinancing, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. Not all borrowers will meet the requirements necessary to qualify. Not available in all states. Rates and terms are subject to change based on market conditions and borrower eligibility. Monthly Payment does not include taxes and insurance. Your payment obligation will be higher. APR is not shown – see our website for assumptions and loan terms. Certain limitations apply, call for details. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. We do not guarantee the accuracy of any information or inputs by users of the software.