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Mortgage payment calculator.
Estimate your full monthly payment — principal, interest, property taxes, insurance, and HOA. Texas property taxes run higher than the national average; this calculator defaults to a Dallas-area effective rate.
Loan Details
Taxes, Insurance, HOA
Estimated Payment
Total Monthly (PITI)
$0
- Principal & Interest
- $0
- Property Tax
- $0
- Home Insurance
- $0
- HOA
- $0
Loan Amount
$0
Total Interest
$0
Disclaimer
This calculator provides estimates only. Actual rates and payments depend on credit score, debt-to-income ratio, loan program (conventional, FHA, VA, jumbo), discount points, and lender pricing. Property tax rates vary by city and county within the Dallas-Fort Worth metroplex. Get a real rate quote from a licensed lender before making decisions. This tool does not include PMI, which typically applies to down payments under 20%.
PITI Explained
Why your payment is more than P&I.
Most online quotes show only principal and interest — the loan repayment portion. Your real monthly outflow is PITI: principal, interest, taxes, and insurance, plus HOA if applicable.
In Texas, taxes are the surprise. With effective rates of 1.8%–2.5% (depending on city, school district, and MUD), property tax alone can add $700–$1,000+ to a $500K home's monthly payment.
Dallas-Area Tax Rates
Effective property tax by city.
- Dallas (city + DISD)~2.3%
- Plano (PISD)~2.1%
- Richardson (RISD)~2.2%
- Frisco (FISD)~2.0%
- Allen / McKinney~2.1%
- University Park~1.8%
Approximate combined city + county + ISD rates. Confirm with the appraisal district.
Need a Real Quote?
Get pre-approved with a trusted lender.
Anita works with several Dallas-area lenders who offer competitive pricing and quick pre-approvals. She'll connect you with someone who fits your situation — first-time buyer, jumbo, self-employed, or relocating.
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