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Live sliders, Texas tax and insurance by ZIP, full PITI breakdown. No email required. Use them to plan, then get a formal pre-qualification when the numbers feel right.
$3,208 per month on a $400,000 home at 6% over 30 years.
$2,158 P&I · $733 tax (Harris) · $167 insurance · $150 PMI
$400,000
$50,000$2,000,000
10% · $40,000
050
Loan Type
6%
212
Loan Term
Auto-fills county tax rate on blur.
Leave at 0 if no HOA.
Principal & Interest
$2,158Property Tax
$733Homeowners Insurance
$167Mortgage Insurance (PMI)
$150| Principal & Interest | $2,158 |
| Property Tax(Harris) | $733 |
| Homeowners Insurance | $167 |
| Mortgage Insurance (PMI)— est., applied when down < 20% | $150 |
| Total Monthly (PITI + MI) | $3,208 |
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Estimates only. Actual payments vary by taxes, insurance, HOA, and underwriting terms. Not a commitment to lend. Closewiser — NMLS #1660690. Loan Officer Liam Yang — NMLS #1709271.
FAQ
Common questions.
- Are these calculators accurate?
- They provide estimates based on the inputs you enter. Actual payments depend on taxes, insurance, HOA, and final underwriting. Use them for planning — then get a formal pre-qualification for an exact number.
- What does PITI mean?
- PITI stands for Principal, Interest, Taxes, and Insurance — the four components of a typical monthly mortgage payment.
- What is a 2-1 buydown?
- A 2-1 buydown temporarily reduces your interest rate by 2% in year one and 1% in year two. The difference is typically paid upfront by the seller or lender as a concession.
- What DTI ratio do lenders use?
- Most conventional loans allow up to 45–50% DTI; FHA allows up to 57% in some cases. The affordability calculator defaults to 43%, a common conventional threshold.
Numbers look good?
Get a formal pre-qualification and make an offer with confidence.