Mortgage calculator
Estimate principal, interest, taxes, insurance, and HOA for planning conversations.
$3,710 / month
Principal and interest: $2,773
Estimated taxes: $788
Estimated insurance: $150
Loan amount: $427,500
Estimate only. A lender should verify rates, taxes, insurance, mortgage insurance, closing costs, eligibility, and approval.
Questions to bring up with a lender after your basic buying plan is clear.
These are education prompts, not approval or eligibility guidance. Andrea can help match the home search strategy to the right lender conversation.
Limited down payment
FHA, HomeReady, Home Possible, 3% down conventional, TDHCA, TSAHC, local assistance, NACA, VA, and USDA may be lender conversations.
Repairs or updates
FHA 203(k), HomeStyle Renovation, CHOICERenovation, CHOICEReno eXPress, and energy-efficiency options may be worth asking about.
Rural or outer-suburban
USDA Guaranteed, USDA Direct, and repair programs may matter when the property and borrower meet program rules.
Veteran or public service
VA options, Good Neighbor Next Door, TSAHC Homes for Texas Heroes, TDHCA, and local assistance may be relevant.
Manufactured home
FHA Title I, Fannie Mae MH Advantage, Freddie Mac CHOICEHome, USDA, and VA options depend heavily on land, title, and lender rules.
Self-employed or investing
Bank statement, non-QM, DSCR, portfolio, bridge, and equity-based options are specialized lender-review topics.