Estimated Monthly Payment
East Texas property tax rates vary by county and ISD. Defaults assume a Smith County rate of ~1.8%.
Estimates only. Actual payment will depend on your credit, lender, exact property tax rate, insurance carrier, and loan program. PMI not included if down payment is below 20%. Not a loan offer or pre-approval.
Three Things to Remember
The calculator is a starting point — not a pre-approval. Here's how to use it without falling into the most common buyer traps.
28% Rule
Most lenders cap your housing payment at roughly 28% of your gross monthly income. Your most comfortable number is usually closer to 25%, leaving room for life.
Rate ≠ Payment
A half-point shift in interest rate can change your monthly payment by $100+ on a $300k loan. Lock when you're under contract — and shop at least three lenders.
Texas Property Tax Is High
Texas has no state income tax — but property taxes are among the highest in the country. East Texas counties run roughly 1.6%–2.1% combined. Always factor this in.
Ready to Talk to a Real Lender?
The calculator is rough math. A pre-approval is a real number — and Linda will introduce you to trusted local lenders who specialize in East Texas buyers.