--- title: Mortgage Calculators Texas | Free Tools | Aravian Financial description: Free Texas mortgage calculators. Estimate monthly payments, home affordability, refinance savings, rent vs buy, amortization, DSCR, and reverse mortgage proceeds. --- - Buy a Home - [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) - [Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote) - [Loan Programs](https://www.aravianfinancial.com/loan-programs) - [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers) - [Down Payment Assistance](https://www.aravianfinancial.com/down-payment-assistance) - Refinance - [Rate & Term Refi](https://www.aravianfinancial.com/refinance) - [Cash-Out Refinance](https://www.aravianfinancial.com/cash-out-refinance) - [Streamline Refinance](https://www.aravianfinancial.com/streamline-refinance) - [Loan Types](https://www.aravianfinancial.com/loan-programs) - [Conventional](https://www.aravianfinancial.com/conventional) - [FHA](https://www.aravianfinancial.com/fha) - [VA Loans](https://www.aravianfinancial.com/va) - [USDA](https://www.aravianfinancial.com/usda) - [Specialty Loans](https://www.aravianfinancial.com/specialty-loans) - [Calculators](https://www.aravianfinancial.com/calculators) - [Blog](https://www.aravianfinancial.com/blog) - About - [About Kris](https://www.aravianfinancial.com/about) - [Meet the Team](https://www.aravianfinancial.com/team) - [Reviews](https://www.aravianfinancial.com/reviews) - [Careers](https://www.aravianfinancial.com/careers) - [Contact](https://www.aravianfinancial.com/contact) [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) [Get a Quote](https://www.aravianfinancial.com/get-a-quote) Buy a Home ▾ [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) [Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote) [Loan Programs](https://www.aravianfinancial.com/loan-programs) [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers) [Down Payment Assistance](https://www.aravianfinancial.com/down-payment-assistance) Refinance ▾ [Rate & Term Refi](https://www.aravianfinancial.com/refinance) [Cash-Out Refinance](https://www.aravianfinancial.com/cash-out-refinance) [Streamline Refinance](https://www.aravianfinancial.com/streamline-refinance) Loan Types ▾ [Conventional](https://www.aravianfinancial.com/conventional) [FHA](https://www.aravianfinancial.com/fha) [VA Loans](https://www.aravianfinancial.com/va) [USDA](https://www.aravianfinancial.com/usda) [Jumbo](https://www.aravianfinancial.com/jumbo) [Reverse Mortgage](https://www.aravianfinancial.com/reverse-mortgage) [Specialty Loans](https://www.aravianfinancial.com/specialty-loans) [Calculators](https://www.aravianfinancial.com/calculators) [Blog](https://www.aravianfinancial.com/blog) About ▾ [About Kris](https://www.aravianfinancial.com/about) [Meet the Team](https://www.aravianfinancial.com/team) [Reviews](https://www.aravianfinancial.com/reviews) [Careers](https://www.aravianfinancial.com/careers) [Contact](https://www.aravianfinancial.com/contact) [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify) [Get a Quote](https://www.aravianfinancial.com/get-a-quote) # Run the Numbers. Make Better Decisions. Seven free mortgage calculators designed for Texas home buyers, homeowners, and real estate investors. No account required. Instant results. Then talk to Kris when you are ready for real pricing. 7 free calculators No account required Instant results Texas specific All Calculators ## Pick your calculator. From first payment estimates to investor DSCR ratios to reverse mortgage proceeds. Every number you need before you pick up the phone. ### [Most Popular Mortgage Payment Estimate your monthly PITI payment including principal, interest, taxes, insurance, and HOA. Adjust rate, term, and down payment. Use Calculator](https://www.aravianfinancial.com/calculators/mortgage-payment) ### [Pre-Purchase Home Affordability Find your maximum home price based on income, existing debt, and down payment. Compare DTI limits by loan program. Use Calculator](https://www.aravianfinancial.com/calculators/affordability) ### [Refinance Refinance Savings Calculate your monthly savings, break-even point, and total lifetime interest saved by refinancing to a lower rate. Use Calculator](https://www.aravianfinancial.com/calculators/refinance-savings) ### [Decision Tool Rent vs Buy Compare the true 5, 7, or 10-year cost of renting versus buying, including appreciation, equity, and total ownership costs. Use Calculator](https://www.aravianfinancial.com/calculators/rent-vs-buy) ### [Detailed View Amortization Schedule Generate a complete year-by-year amortization table with principal, interest, and balance. See the impact of extra payments. Use Calculator](https://www.aravianfinancial.com/calculators/amortization) ### [Investors DSCR Calculator Calculate the Debt Service Coverage Ratio for a rental property. See if the income qualifies for a DSCR investor loan. Use Calculator](https://www.aravianfinancial.com/calculators/dscr) ### [Age 62+ Reverse Mortgage Estimate your HECM reverse mortgage proceeds based on home value, age, and current rates. For homeowners 62 and older. Use Calculator](https://www.aravianfinancial.com/calculators/reverse-mortgage) ## Numbers look good? Let us make them real. Takes 2 minutes. No credit pull. No obligation. [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify)[Get a Rate Quote](https://www.aravianfinancial.com/get-a-quote) Independent mortgage broker serving Houston and all of Texas. NMLS #566937 | Aravian Financial NMLS #2691016. #### Buy - [Pre-Qualify Now](https://www.aravianfinancial.com/pre-qualify) - [Get a Quote](https://www.aravianfinancial.com/get-a-quote) - [First-Time Buyers](https://www.aravianfinancial.com/first-time-buyers) - [Down Payment Help](https://www.aravianfinancial.com/down-payment-assistance) - [Calculators](https://www.aravianfinancial.com/calculators) #### Loan Types - [Conventional](https://www.aravianfinancial.com/conventional) - [FHA](https://www.aravianfinancial.com/fha) - [VA](https://www.aravianfinancial.com/va) - [USDA](https://www.aravianfinancial.com/usda) - [Specialty Loans](https://www.aravianfinancial.com/specialty-loans) #### Company - [About Kris](https://www.aravianfinancial.com/about) - [Meet the Team](https://www.aravianfinancial.com/team) - [Reviews](https://www.aravianfinancial.com/reviews) - [Careers](https://www.aravianfinancial.com/careers) - [Blog](https://www.aravianfinancial.com/blog) - [Contact](https://www.aravianfinancial.com/contact) - [Privacy Policy](https://www.aravianfinancial.com/privacy-policy) - [NMLS Consumer Access](https://nmlsconsumeraccess.org) Equal Housing Opportunity © 2026 Aravian Financial. All rights reserved. Kris Syevens, NMLS #566937 [Privacy](https://www.aravianfinancial.com/privacy-policy)[Terms](https://www.aravianfinancial.com/terms)[NMLS Access](https://nmlsconsumeraccess.org) Aravian Financial, NMLS #2691016  |  Kris Syevens, NMLS #566937  |  Licensed Mortgage Broker, State of Texas. This is not a commitment to lend. Rates, terms, and programs are subject to change without notice. All loans subject to credit approval. Equal Housing Opportunity. [Pre-Qualify](https://www.aravianfinancial.com/pre-qualify)[Get a Quote](https://www.aravianfinancial.com/get-a-quote)