Texas Buyer Tool

How Much House Can I Afford in Texas?

We solve for the maximum home price that keeps your housing + debt ratio inside the threshold you choose.

Your inputs

Gross annual income

Monthly debt paymentsCar, student loans, credit cards

Down payment available

Mortgage rate

Loan term

years

Texas county

Homeowners insurance (annual)

Max debt-to-income ratio

Maximum home price

$308,985

At 43% DTI

Loan amount

$288,985

Monthly payment

$2,596

PI + tax + insurance

Principal & interest

$1,874

Property tax / mo

$538

2.09% effective

Boost this number: Texas down-payment assistance programs (TDHCA, TSAHC, city/county DPA) can add $7,500–$25,000+ to your down payment without changing your savings — increasing your maximum price by 4–6x that amount.

Estimate only. Lenders weigh credit score, employment history, reserves, and program-specific rules. Final affordability is confirmed by an underwriter.