Texas Mortgage Plan · A d/b/a of Legacy Mortgage, NMLS #1759275
Home Affordability Calculator
A smarter way to plan your mortgage — see what you can comfortably afford before you fall in love with a house.
Equal Housing Lender
Draw Up Your Numbers
Adjust each figure to match your household.
Income & Debts
$95,000
$400car, cards, student loans, etc.
Loan Details
10% = $0
Below 20% typically requires PMI · VA/USDA offer 0% down for eligible buyers
6.75%
Estimate only — ask us for today's live rate
Housing Costs
1.8% of home value / yr
Texas average runs ~1.6–2.0% — varies by county
$2,400
$0
Comfort Level
43%
36% = conservative · 43% = typical qualifying max · 50% = aggressive
Estimated Home Price You Can Afford
$0
Based on your income, debts, and a 43% debt-to-income comfort level.
Your current monthly debts leave little to no room for a housing payment at this income level. Try lowering monthly debts or raising your target DTI to see options.
Down Payment Needed
$0
Estimated Loan Amount
$0
Est. Monthly Payment
$0
Monthly Payment Breakdown
Principal & Interest
$0
Property Taxes
$0
Homeowners Insurance
$0
PMI
Estimated ~0.6% annually until 20% equity
$0
HOA
$0
Total Monthly Housing Payment$0
Your Borrowing Room
This shows where your total monthly debt (including the new housing payment) lands on a 0–50% debt-to-income scale — the number lenders use to qualify you.
43%
0%
0%50%
Comfortable (≤36%) Typical qualifying range Stretched (>43%)
Adjust the sliders to see how your numbers change.
This Is a Starting Point — Not a Pre-Approval
Real qualifying numbers depend on your credit profile, loan program, and today's rates. Tell us a bit about your plans and Elizabeth or Shea will personally follow up.
Get Pre-QualifiedElizabeth Rose (CDLP · NMLS# 252686) and Shea Patton (Realtor · NMLS# 251397) both review new inquiries personally.
Texas Mortgage Plan is a d/b/a of Legacy Mortgage, NMLS #1759275 · Equal Housing Lender
This calculator provides estimates for educational purposes only. It is not a loan approval, pre-qualification, or commitment to lend. Actual rates, terms, taxes, insurance, and PMI vary by credit profile, loan program, and market conditions. Contact Texas Mortgage Plan for a personalized assessment.
This calculator provides estimates for educational purposes only. It is not a loan approval, pre-qualification, or commitment to lend. Actual rates, terms, taxes, insurance, and PMI vary by credit profile, loan program, and market conditions. Contact Texas Mortgage Plan for a personalized assessment.