Equal Housing Opportunity • Guarantee Mortgage, LLC (NMLS #2010656) • NMLS #2794468
(281) 385-5511 • hunter@guaranteemc.com
MORTGAGE TOOLS & FINANCIAL PLANNING

Interactive Texas Mortgage Calculators

Simulate your monthly payments with accurate Texas property tax estimates, calculate your maximum buying power, or analyze your refinance savings.

1. Loan & Property Inputs:

$
$
%
30 Years Fixed
20 Years Fixed
15 Years Fixed
%
Taxes, Insurance & Escrows
% / yr
$
$
Estimated Monthly Payment
$2,689 / month
Loan Amount: $315,000
  • Principal & Interest $2,043
  • Property Taxes $540
  • Homeowners Insurance $150
  • PMI (if <20% down) $144
  • HOA Dues $0
Complete Amortization Schedule Breakdown
Total Lifetime Interest: $420,534
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Period Principal Paid Interest Paid Total Interest to Date Remaining Balance

2. Your Household Income & Debts:

$
$
Car payments, student debt, credit card minimums.
$
30-Year Fixed
15-Year Fixed
%
Maximum Recommended Home Price
$425,000

Calculated under conservative 28/36 DTI ratio parameters for secure qualification.

  • Recommended Monthly Budget $2,683/mo
  • Maximum Loan Amount $380,000
  • Down Payment Applied $45,000

3. Refinance Comparison Inputs:

$
%
%
Yrs
Yrs
$
Monthly Payment Savings
$267/mo

Net monthly savings in principal and interest.

  • Current Monthly (P&I) $2,298
  • New Monthly (P&I) $1,970
  • Break-Even Horizon 15 Months
  • Lifetime Interest Savings $62,400
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