Texas Mortgage Plan · A d/b/a of Legacy Mortgage, NMLS #1759275
First-Time Homebuyer PITI Calculator
See your full monthly payment — Principal, Interest, Taxes & Insurance — and how it changes across Conventional, FHA, VA, and USDA loans.
Equal Housing Lender
Draw Up Your Payment
Start with the loan program you're exploring.
Loan Program
Min. 3% down · PMI applies below 20% down, removable later
Home & Loan
$350,000
5% = $0
6.75%
Estimate only — ask us for today's live rate
Property Costs
1.8% of home value / yr
Texas average runs ~1.6–2.0% — varies by county
$2,400
$0
Estimated Total Monthly Payment (PITI)
$0
Principal, interest, taxes, insurance — the full picture, not just the loan payment.
Down Payment
$0
Loan Amount
$0
Est. Cash to Close
$0
What Makes Up Your Payment
Principal & Interest
Property Tax
Insurance
PMI
HOA
Monthly Payment Breakdown
Principal & Interest
$0
Property Taxes
$0
Homeowners Insurance
$0
PMI
Estimated ~0.55% annually until 20% equity
$0
HOA
$0
Total Monthly PITI$0
Adjust the sliders to see how your numbers change.
This Is a Starting Point — Not a Pre-Approval
Real numbers depend on your credit profile, county tax rate, and today's pricing. 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, mortgage insurance, funding fees, taxes, and insurance vary by program, county, credit profile, 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, mortgage insurance, funding fees, taxes, and insurance vary by program, county, credit profile, and market conditions. Contact Texas Mortgage Plan for a personalized assessment.