Wealth Tools
Mortgage Affordability Calculator
See what a monthly payment really looks like: principal, interest, taxes, and insurance in one honest number.
Your numbers
Adjust the inputs. Results update instantly.
$
$
6.500%
2.20%
Check your county appraisal district; MUD or PID areas run higher.
$
Texas average is over $3,500 a year (Texas Department of Insurance, 2026). Get a quote for your home.
Estimated monthly payment
$3,392
30-year fixed at 6.500%, including estimated taxes and insurance.
Principal & interest
$2,275
Est. property taxes
$825
Est. homeowners insurance
$292
Loan amount
$360,000
Down payment
$90,000
Down payment %
20.0%
Estimates only. Property taxes and insurance use the rate and annual amount you entered. HOA dues and mortgage insurance are not included. Your lender's quote is the number that counts.