Run the numbers. Texas-style.
Every calculator below is built for Texas buyers — with real county tax rates, homestead rules, and program-aware math. Free, no signup, no information selling.
Home Buyer Readiness Score
60-second quiz that scores your credit, savings, income, and program knowledge — with a personalized action plan.
Open tool →Plan aheadHow Much Home Can I Afford?
Maximum Texas home price based on income, debts, and down payment.
Open tool →Most popularMortgage Payment
Estimate PITI — principal, interest, Texas property taxes, insurance, and PMI.
Open tool →Save smartDown Payment Savings Goal
Monthly savings + timeline to hit your down payment target.
Open tool →Boost scoreCredit Improvement Roadmap
Prioritized credit actions to unlock the best Texas rates and DPA program eligibility.
Open tool →Stay on trackBuyer Journey Checklist
Step-by-step Texas home buyer checklist — foundation, pre-approval, contract, closing, and after.
Open tool →TX-tunedTexas Closing Cost Estimator
County-specific closing cost ranges for Texas buyers.
Open tool →Hidden savingsMCC Tax Credit Calculator
Mortgage Credit Certificate annual federal tax savings.
Open tool →TX-tunedProperty Tax + Homestead
Annual Texas property tax with homestead exemption applied.
Open tool →Big pictureRent vs. Buy
Compare lifetime cost of renting vs. owning in Texas.
Open tool →Already own?Refinance Break-Even
Months to recover refinance closing costs through monthly savings.
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