Free educational tools for Texas home buyers · Identify federal, state, and local homeownership assistance programs you may qualify for. Educational information only - not a loan offer or guarantee of eligibility.
BluebonnetBuyer
Texas Buyer Tool

Lender Comparison Worksheet

Loan Estimates aren't apples-to-apples. The lowest rate may carry the highest junk fees. We add it all up over your real holding period.

Your inputs

Fee benchmarks below flag anything above what a competitive Texas lender should charge.

Fair-fee ceilings (Texas, 2026):
Origination ≤ $1,200 · Processing ≤ $500 · Underwriting ≤ $750 · Doc prep ≤ $150
Line itemLender ALender BLender C
Name
Rate%%%
Points
Origination
Processing
Underwriting
Doc prep
Lender credit
Net lender fees$3,290$1,895$540
Monthly P&I$1,839$1,793$1,816
5-year total cost$113,654$109,467 ★$109,504

Orange-highlighted cells exceed fair-market ceilings - ask the lender to match a competitor or remove the fee.

Best 5-yr cost
Lender B
$109,467
Lowest rate
6.625%
Not always the cheapest!
Lowest net fees
$540

Use this to compare Section A (Origination Charges) on each Loan Estimate. Title, taxes, prepaids and escrows (Sections B–H) are largely market-set and roughly equivalent across lenders.

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Educating Texas families on federal, state, and local programs that can help lower the cost of buying a home.

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Independent service disclaimer: BluebonnetBuyer is an independent consumer information platform. We are not a mortgage lender, mortgage broker, real estate brokerage, law firm, or tax advisor. Information provided is for educational purposes only and is not mortgage, legal, tax, financial, insurance, or real-estate advice. Consumers should consult appropriately licensed professionals regarding their specific circumstances before making any financial or real-estate decision.

We do not originate, fund, underwrite, or service loans; we do not negotiate offers or contracts on your behalf; we do not represent buyers or sellers; and we do not recommend or endorse one professional over another. Calculator outputs and program information are illustrative estimates only — not loan offers, pre-approvals, rate locks, quotes, appraisals, commitments to lend, or guarantees of program eligibility, funding availability, or savings. Actual results depend on your individual circumstances, lender underwriting, and program rules in effect at the time of application.

Program information disclaimer: Down-payment assistance, MCC tax credits, grants, bond programs, and other homeownership assistance referenced on this site are operated by independent federal, state, county, municipal, and nonprofit agencies. Program availability, eligibility requirements, income and purchase-price limits, funding levels, interest rates, and program terms may change or be suspended at any time without notice. Consumers should verify current requirements, funding status, and eligibility directly with the administering agency and a Texas-licensed lender before relying on any information shown here.

No compensation paid to BluebonnetBuyer is tied to referrals, originated loans, or closed transactions. Pro fees are flat monthly advertising and marketing-access subscriptions only. Texas real-estate professionals on this platform are licensed by the Texas Real Estate Commission (TREC). Verify any professional’s license at trec.texas.gov. See Disclosures, Terms, Privacy, Accessibility, and our Fair Housing Statement.

Mailing address: BluebonnetBuyer Home Savings, LLC, 1910 Pacific Ave, Suite 2000-1688, Dallas, TX 75201.

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