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Texas Home Equity Calculator

Calculate your available equity and potential savings

Your Home Equity

Home Value: —
Mortgage Balance: —
Total Equity: —

Available in Texas (80% Rule)

Usable Equity: —
—

Enter your info above and tap "Calculate" to see your equity.

Monthly Interest Comparison

See how much you could save each month

At 22% APR
—
per month
At 7% APR
—
per month
💰 Your Monthly Savings
—
by refinancing to a home equity loan

What Loan Can I Afford?











Results

Mortgage Payment Calculator

Principal & Interest: $0
Property Tax & Insurance: $0
Mortgage Insurance: $0
Total Monthly Payment: $0

Here are the current average national rates. Your rate will vary based on several factors, but this gives you an idea of the general market.

Debt-to-Income Calculator

Debt-to-Income Calculator

Calculate your debt-to-income ratio to understand your financial health

How to Use This Calculator:

  • Enter your total monthly gross income (before taxes)
  • Add all monthly debt payments (credit cards, loans, mortgage)
  • Click calculate to see both front-end and back-end DTI ratios
  • Front-end DTI includes only housing costs
  • Back-end DTI includes all monthly debt payments

Monthly Income

Monthly Debt Payments

Front-End DTI (Housing Only) 0%
Back-End DTI (Total Debt) 0%
Texas Closing Cost Estimator

Closing Cost Estimator (Texas)

Very rough estimate only. Taxes, insurance, title, and other fees vary by property, provider, and contract terms. This tool uses sample ZIP-based assumptions, county-based title estimates, and the $140,000 school homestead exemption.

Results

Fill out the form and click "Estimate Closing Costs" to see a breakdown.

This tool is for educational purposes only and does not constitute a Loan Estimate or a commitment to lend. Actual taxes, insurance, title, and closing costs will be determined by your lender, title company, insurer, and local tax authorities. In Texas, the owner's title policy is often paid by the seller, but this calculator assumes all title costs are paid by the buyer for simplicity.

Title Policy Cost Calculator

Title Policy Calculator

Calculate your estimated title insurance costs

Estimated Title Policy Cost
$0
Owner's Policy $0
Lender's Policy $0
Disclaimer: This is an estimate only. Texas rates are based on official TDI 2019 rates. Other states use approximate rates. Actual costs may vary. Please consult with a title company for accurate pricing.

Down Payment Calculator

Enter a price and percentage to calculate.

Local with National Connections

I live and work in North Texas, so I am always a stone's throw away. If you need something or have a question, call or text and I will respond within the hour. Guaranteed.


Living here, though, doesn't limit your options. I have access to over 300 lenders from around the country and over 9,000 loan programs. We'll find the right fit for you!


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