What will a Houston home really cost you each month?

Texas property taxes make the payment higher than the loan alone. Enter a price to see the full monthly cost, or enter a monthly budget to see the price that fits.

Your numbers are only the start

Fill in the form to see your results here. When you are ready, send us the address and we will turn the estimate into a real offer or a plain-English plan, at no cost.

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How the payment is built

The calculator uses the standard loan formula for principal and interest, then adds one-twelfth of the annual property tax and insurance, any HOA dues and any monthly mortgage insurance. In Texas, property tax is a large part of the payment, and the rate varies by address, so use a real tax statement for the home you are looking at.

Before you shop

Get a quote from an approved lender so you have a real rate and mortgage insurance figure.
Ask about city, county and state assistance. Eligibility and funding change, so confirm with the program.
Plan for closing costs and moving costs on top of the down payment.

Check for help

Our free homebuyer assistance check points to programs you may fit. It is a pre-screen, not an approval.

Questions about this tool

Why is my estimate higher than other calculators?

Many calculators leave out property tax, insurance or mortgage insurance. This one includes the items you enter.

Does this include down payment assistance?

No. Assistance programs have their own rules and can change the numbers. Ask a lender about programs you may qualify for.

Is this a loan offer?

No. It is an estimate. Lenders set the rate and final payment.

Not legal, tax or financial advice

These tools give general estimates from the numbers you enter. They do not replace advice from a Texas attorney, a CPA or a licensed lender. Captain Saves A Home buys houses, so we have an interest in a sale, and we will tell you honestly when another option fits better.