Choose the Calcultor That's Right for You
Explore our free mortgage calculators to estimate payments, affordability, qualifying income, and home equity. When you're ready for answers tailored to your situation, our mortgage planners are here to help
Home Affordability Caculator
Wondering how much home you can comfortably afford?
This calculator estimates your buying power based on your income, monthly debts, down payment, and other financial information.
Perfect for:
- Homebuyers beginning their search
- Families planning a future move
- Anyone wanting a realistic home budget
First Time Homebuyer Payment Calculator
Estimate your monthly mortgage payment before you buy.
Calculate your estimated principal, interest, property taxes, homeowners insurance, and PMI to better understand what your monthly payment may look like.
Perfect for:
- First-time homebuyers
- Comparing different purchase prices
- Budget planning
Self-Employed Income Calculator
Self-employed borrowers qualify differently.
Income for business owners, freelancers, and independent contractors isn't always straightforward. This calculator helps estimate qualifying income using common mortgage underwriting guidelines.
Perfect for:
- Business owners
- 1099 contractors
- Freelancers
- LLCs and S-Corp owners
Texas Cash-Out Calculator
See how much equity may be available in your home
Estimate how much cash you may be able to access through a Texas Home Equity Loan or Texas Cash-Out Refinance while staying within current Texas lending limits.
Perfect for:
- Home improvements
- Debt consolidation
- Major expenses
- Financial planning
Mortgage Planning Goes Beyond the Calculator
Online calculators are helpful but they can't evaluate.
- Which loan program best fits your financial goals
- Texas-specific lending guidelines and loan limits
- Self-employed income documentation and qualifying income
- Divorce, retirement, or other major life transitions
- Credit improvement opportunities before you apply
- Down payment assistance programs you may qualify for
- Interest rate strategies and long-term financing options
- Whether a Texas Cash-Out Refinance or a Home Equity Loan is the better solution for your situation. Consolidating debt, financing home improvements, or accessing equity isn't just about how much you can borrow. It's about choosing the option that best supports your long-term financial goals.
That's where we come in.
At Texas Mortgage Plan, we help you build a mortgage strategy designed around your financial picture, not just a formula
Ready for Personalized Guidance?
Whether you're buying your first home, refinancing, planning ahead, or simply exploring your options, we're here to help.
Calculator Disclaimer: Results are estimates for educational purposes only and are not a loan approval or commitment to lend. Actual loan terms, payments, and qualification depend on credit, income, assets, property details, and current lending guidelines. Please contact Texas Mortgage Plan for a personalized mortgage analysis.