Pick a community, fill in a few numbers, and see the full picture — principal, interest, property taxes, insurance, and mortgage insurance if it applies — plus your estimated cash to close and a full amortization schedule.
These are planning estimates, not real numbers — for exact figures, talk to a licensed mortgage loan officer. I'm happy to refer you to one of my preferred lenders any time.
Tax rates are general-area estimates from Chad's Neighborhoods map — edit if you know the exact rate for a specific property.
Edit either field — the percentage and dollar amount stay in sync with the home price. The dropdown above is just a quick way to fill in a common percentage.
PMI varies by credit score and loan-to-value — ask your lender for an exact quote. Cancels automatically once your balance reaches 78% of the home's original value.
USDA loans require the property to sit in an eligible rural area and the household to meet income limits — ask Chad to confirm eligibility for a specific address.
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Insurance defaults to a rough San Antonio-area estimate once you enter a home price — edit it with a real quote once you have one.
Lender/title/closing costs vary a lot by lender and title company — this defaults to a rough approximation (~1% of the loan amount) and should be replaced with a real Loan Estimate once you have one. Month of closing is used to estimate prepaid interest and tax/insurance escrow reserves below.
Enter a home price on the left to see your estimated monthly payment, full breakdown, and amortization schedule.
Rough planning estimate only — excludes earnest money already applied, seller concessions, and lender credits, all of which can lower the cash you actually bring. Escrow reserves assume closing mid-month and standard lender cushions; your title company's Closing Disclosure will have the real numbers.
| Year | Principal Paid | Interest Paid | MI Paid | Remaining Balance |
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| Month | Principal Paid | Interest Paid | MI Paid | Remaining Balance |
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This calculator provides general estimates for planning purposes only — it is not a loan quote, pre-approval, or commitment to lend. Actual payments depend on your credit, lender, and the specific property. Contact Chad for a personalized quote from a licensed loan officer.