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 →Income qualification
Model one published asset-income calculation after the eligible assets and required deductions have been identified.
Investment property
Check whether rent supports the modeled property payment before you send the deal.
Refinancing
Compare a recast with principal prepayment, test refinance savings, or estimate available equity.
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 → Debt restructuringDebt consolidation refinance calculator
Compare monthly outflow, five-year borrowing cost, scheduled lifetime cost, and an accelerated-payment path before moving consumer debt onto the home.
Open calculator →Which calculator do I need?
If you are buying, start with the affordability calculator, move to the payment calculator, and use the Texas closing cost calculator for a cash-to-close planning estimate. If a current written rule may derive income from eligible assets, use the asset depletion calculator for transparent arithmetic after reviewing the rule. For a rental, use the DSCR loan calculator to see whether rent supports modeled PITIA. If you already own, compare a lump-sum mortgage recast, streamline savings with the VA IRRRL or FHA streamline calculator, equity access with the cash-out calculator, and full debt restructuring with the debt consolidation refinance calculator.
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.