Plan your home purchase with confidence using our advanced mortgage and affordability calculators
The calculations provided by these mortgage calculators are estimates only and are provided for informational purposes. Actual loan terms, interest rates, monthly payments, closing costs, and other fees may vary significantly based on your individual financial situation, credit profile, property characteristics, loan program requirements, and current market conditions.
These calculators do not constitute a loan approval, commitment to lend, or guarantee of any specific interest rate or loan terms. All loans are subject to credit approval, income verification, property appraisal, and underwriting review. Property tax rates, insurance costs, HOA fees, and other estimates shown are based on typical Austin, Texas area values but may differ for your specific property.
For accurate loan quotes and personalized mortgage options, please contact Quantum Loans at +1 (512) 314-0389 or [email protected]. Company NMLS: 2624644.
Get an accurate estimate of your monthly mortgage payment including principal, interest, taxes, and insurance (PITI) for homes in Austin, Texas. Want to learn more about different loan types? Visit our mortgage services page for detailed information on FHA, VA, and conventional loans.
Including taxes, insurance & fees
Determine your home buying budget based on your income, debts, and down payment. Our calculator uses the 28/36 rule recommended by lenders in Austin.
28% of monthly income
16.7% of home price
Recommended: ≤ 28%
Recommended: ≤ 36%
2.5% - 3% of home price
Learn how to use these calculators effectively for your Austin home purchase. Our experienced mortgage team can help you understand these calculations and find the best loan for your situation.
Your monthly mortgage payment includes principal, interest, property taxes, homeowners insurance, and potentially HOA fees and PMI. In Austin, property taxes are a significant portion of your payment.
Austin has one of the highest property tax rates in Texas at approximately 1.81%. This means on a $450,000 home, you'll pay about $8,145 annually in property taxes. Learn how our team helps Austin buyers navigate property taxes - see why clients choose us.
Lenders recommend your housing costs don't exceed 28% of gross income, and total debt payments stay under 36%. This ensures you can comfortably afford your mortgage.
A 20% down payment eliminates PMI and reduces your monthly payment. In competitive Austin markets, larger down payments can strengthen your offer.
Get pre-approved today and start your home buying journey with confidence. Review our full range of mortgage services or learn about our Austin team before applying. Our expert mortgage team is ready to help you secure the best rates in Austin.
Call us: +1 (512) 314-0389
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