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Plan Your Payment

Home Mortgage Calculator

Estimate your true monthly payment — principal, interest, Texas property taxes, insurance, PMI/MIP, and HOA — by loan type, with a full amortization schedule. Adjust any field and it updates instantly.

Auto-calculates from home value and down payment — or type your own.
TX avg ~1.8–2.3% of value
Applies if down payment < 20%
Estimated monthly payment
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    Loan amount
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    Total interest
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    Total of payments
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    Payoff date
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    Common Questions

    Home Mortgage Calculator FAQ

    How is my monthly mortgage payment calculated?

    It combines principal and interest, plus monthly property taxes, homeowner's insurance, mortgage insurance (PMI on conventional under 20% down, or MIP on FHA), and any HOA dues.

    What loan types are supported?

    Conventional, FHA, VA, and USDA. Mortgage insurance adjusts automatically — PMI on conventional under 20% down, monthly MIP on FHA, none on VA/USDA (those carry separate funding/guarantee fees).

    What property tax should I use in Texas?

    Enter your estimated annual tax dollars. Texas rates vary by location and MUD, often roughly 1.8%–2.3% of value — ask us for the exact figure on a specific home.

    Estimates only — not a loan offer or financial advice. Your actual rate, taxes, insurance, and fees will vary by lender and program.