A math tool, not a sales pitch
What would the monthly payment actually look like?
Type your own numbers and see the honest monthly math: principal, interest, Texas property taxes, insurance, and HOA. We built this the way we work. No rate teasers, no qualification promises, and nothing you type is saved or sent anywhere.
With a conventional loan, lenders typically add private mortgage insurance when the down payment is under 20%. Your lender confirms whether it applies to you and what it costs.
We never suggest a rate. A licensed lender gives you your real one, in writing.
Everything you type stays in your browser. Nothing you type here is saved, sent, or shared.
Your monthly estimate
Enter a home price and the rate your lender quoted you, and the estimate appears here.
This is a math estimate, not a loan offer, a quote, a qualification, or lending advice. Maureen Cappallo is a Texas real estate broker, not a loan officer. A licensed lender confirms your real rate, payment, and numbers, in writing.
Read this part, it matters
This estimator is educational. It does the arithmetic on numbers you provide and nothing else. It is not a loan offer, a rate quote, a prequalification, or lending advice, and it cannot tell you what you qualify for. Maureen Cappallo is a Texas real estate broker, not a loan officer or a lender. What we can do, when you are ready, is make one introduction to the right lender for your situation. They look at your whole picture and put your real numbers in writing. That written read from a licensed lender is the number to plan on, not this page.
Momentus Real Estate Group · TREC #9014872-BB · Talk to our team
Honest answers
Payment questions people actually ask
Is this what my payment will actually be?
It is a math estimate built from the numbers you type, nothing more. Your real payment depends on the rate, loan program, taxes, insurance, and closing details a licensed lender confirms for your specific situation, in writing.
Why doesn't this tool suggest an interest rate?
Because we are a real estate brokerage, not a lender. Maureen Cappallo is a Texas broker, not a loan officer, and quoting rates is a lender's job under Texas law. When you are ready, we make one introduction to the right lender for your situation and they give you your real rate.
Where do I find the property tax number for a home?
Every DFW county publishes it. Look the address up on the county appraisal district website (Collin, Denton, Tarrant, Dallas, Ellis, Kaufman, Rockwall, or Grayson) and use the most recent total tax amount. New construction is trickier because the first bill often reflects land only, which is a conversation worth having before you commit.
What is different about a VA loan?
For eligible veteran families, a VA loan can allow zero down with no monthly mortgage insurance, which changes the monthly math meaningfully. There is a one-time funding fee with its own rules. We have walked 600+ veteran families through this; a VA-experienced lender confirms your entitlement and your exact numbers.
People first. Houses second.
When the math starts looking real, the next step is an honest conversation about where you actually stand. Free, no obligation. My team and I will walk you through it.
Talk to our team