Run your numbers.

Real math, Texas defaults, no email required. When you want the numbers to be exact instead of estimated, a quote takes about a minute.

Home price

Down payment %

Interest rate %

Term (years)

Loan type

Property tax rate %/yr

Texas typically 1.8–2.5%

Home insurance $/yr

Estimated monthly payment

Principal & interest$0

Property taxes$0

Insurance$0

Mortgage insurance$0

Loan amount$0

Make it exact — get my rate

Estimates only. VA figures include the standard funding fee financed into the loan (2.15% first use, 3.30% subsequent, waived when exempt). FHA includes upfront and monthly MIP. Conventional under 20% down includes estimated PMI. Your actual taxes, insurance, and pricing will vary.

Household income $/yr (before tax)

Monthly debt payments (cars, cards, loans)

Cash for down payment

Interest rate %

Comfort level

DTI = share of gross income going to debts + housing

You can likely afford a home around

Est. monthly payment (PITI)$0

Loan amount$0

Assumes taxes 2.1%/yr + ins $2,400/yr

Get pre-approved free

A rough planning number, not an approval. Veterans: with $0 down VA, your buying power is typically higher than shown. A free pre-approval gives you the real figure.

Current loan balance

Current rate %

New rate %

New term (years)

Estimated closing costs

Often financeable into the new loan

Monthly savings

Current payment (P&I)$0

New payment (P&I)$0

Break-even on costs—

Check my real refi rate

Compares principal & interest only; assumes your current payment reflects a 30-year term on the balance shown. VA-to-VA refinances (IRRRL) often have lower costs than estimated here.