Mortgage calculators
A suite of Texas mortgage calculators for buying, refinancing, and investor cash-flow checks. Each one runs entirely in your browser and asks you to enter your own assumptions, because I do not advertise a teaser quote. Pick the tool that fits your question.
Buying a home
Estimate a payment, or work backward from your income to a price.
Texas mortgage calculator
Your full monthly payment with Texas property tax, homeowners insurance, PMI, and HOA, plus a year-by-year amortization. Conventional, FHA, VA, and USDA.
Open calculator → PaymentAustin mortgage calculator
The same full payment breakdown, tuned to Austin and the higher Travis County property-tax rate.
Open calculator → AffordabilityHow much house can I afford? (Texas)
Work backward from your income, debts, and down payment to the highest Texas home price that fits a comfortable debt-to-income.
Open calculator → AffordabilityHow much house can I afford? (Austin)
The affordability solve tuned to Austin: Travis County taxes built in, plus guidance on counting bonus and RSU income.
Open calculator →Investment property
Check whether rent supports the modeled property payment before you send the deal.
Refinancing
See whether a refinance saves you money, or how much equity you can pull. Each tool carries the agency rule that decides it.
VA IRRRL calculator
Streamline-refinance savings for veterans, with VA funding-fee treatment and a recoupment check built into the estimate.
Open calculator → RefinanceFHA streamline calculator
FHA streamline savings, including the combined-rate benefit test, upfront mortgage-insurance treatment, and any applicable refund.
Open calculator → RefinanceCash-out refinance calculator
Model how much equity may be available by program, including Texas cash-out and agency-specific limits.
Open calculator →Which calculator do I need?
If you are buying, start with the affordability calculator to set a realistic price, then move to the payment calculator to test a specific home. If you are buying or refinancing a rental, use the DSCR loan calculator to see whether rent supports the modeled PITIA. If you already own and market conditions have moved, the refinance tools help you test the math: the VA IRRRL and FHA streamline calculators for streamline scenarios, and the cash-out calculator for equity access.
Every tool is an estimate to help you plan, not an approval or a quote. When you want real numbers on your file, send me your details and I will price your actual scenario.
Ready for the real numbers?
A calculator gets you close. I price your actual Texas scenario, taxes and program details included, and put a number you can trust in your hands.