Use our free Texas mortgage calculator to estimate your monthly home loan payment, including principal, interest, property taxes, homeowners insurance (PITI), PMI, and HOA dues. Compare scenarios for Conventional, FHA, VA, and USDA loans, and see how down payment size and interest rate change your total cost. Pair it with our home affordability calculator or DTI calculator for the full picture before you shop in 2026.
P&I
$2,023
Principal & Interest
$2,023
Property Tax
$733
Home Insurance
$125
Total Interest
$408,142
Total Paid
$728,142
Interest Ratio
128%
Final Equity
$400,000
Track how your loan balance drops over time while your ownership stake in the home continues to grow
The estimate above is a starting point. In about 5 minutes we'll match it to a real, personalized pre-approval — usually back to you within 24 hours. Want background on the process? Read our mortgage pre-approval guide or browse conventional loan, FHA loan, and VA loan options.
What type of loan are you looking for?
A Home Loan Expert can walk you through your options
Get up to $5,000 in lender credits towards your closing costs when you use STX Lending for your new home purchase.
