Run your numbers before your first showing. These calculators cover the loan types Houston buyers use most. Your actual rate depends on credit, lender, and program, so talk to us for a real referral.
Estimate your monthly payment including taxes, insurance, HOA, and PMI.
Fill in the fields and click Calculate to see your estimated monthly payment.
FHA loans require 3.5% down (580+ credit) and include an upfront MIP (1.75%) plus monthly MIP.
Fill in the fields and click Calculate to see your FHA payment breakdown.
VA loans offer 0% down with no monthly PMI. A one-time funding fee is rolled into the loan (waived for disabled veterans).
Fill in your details and click Calculate to see your VA loan payment.
Compare your current mortgage to a new loan to see monthly savings and break-even timeline.
Enter your current and new loan details to see how much you could save.
Estimate the maximum home price you can afford based on your income and existing debts (43% DTI rule).
Enter your income and debts to see the maximum home price you can afford.
All calculations are estimates for educational purposes only and do not constitute a loan commitment, rate lock, or guarantee of any terms. Actual payments depend on credit score, lender, property type, and market conditions at time of application. Talk to an agent →