Mortgage calculators
A free suite of Texas mortgage calculators for buying and refinancing. Each one is built on the current agency guidelines, runs entirely in your browser, and asks you to enter your own rate, because I do not advertise one. 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 →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 the 0.5% funding fee and a check against VA's 36-month recoupment rule.
Open calculator → RefinanceFHA streamline calculator
FHA streamline savings, including the combined-rate benefit test, the 1.75% upfront MIP, and the refund that softens it.
Open calculator → RefinanceCash-out refinance calculator
How much cash you can take from your equity by program: conventional and FHA cap at 80% of value, VA goes to 100%.
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 see the monthly number on a specific home. If you already own and rates have moved, the refinance tools tell you whether it is worth it: the VA IRRRL and FHA streamline calculators for lowering your payment, and the cash-out calculator for pulling equity.
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.