Texas Buyer Tool
Texas Mortgage Payment Calculator
Full PITI estimate using your county's effective property tax rate and current PMI assumptions.
Your inputs
Estimated monthly payment
$3,033
PITI + PMI + HOA
Principal & Interest
$2,043
Property tax
$610
2.09% effective
Insurance
$183
PMI
$197
LTV > 80%
Loan amount
$315,000
Loan-to-value
90.0%
Total interest paid
$420,510
Total cost of loan
$735,510
Effective property tax rates are county averages; your actual rate depends on city, ISD, MUD, and PID overlays. PMI assumed at 0.75% annually for loans above 80% LTV — your lender's quote may differ.