What could my home cost each month?
See your estimated payment and ownership budget as you adjust the numbers.
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What home price fits my budget?
Start with a comfortable monthly budget and the cash you want to use.
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Plan a remote viewingSee the numbers behind a Texas rental
Compare income, expenses, financing, and reserves before discussing a property.
Evaluate a rental scenarioYour calculator inputs stay in this browser. They are not sent with your callback request.
What could my home cost each month?
Adjust assumptions
About this estimate
Illustrative defaults, September 16, 2026—not live rates, a lender quote or loan approval. Replace taxes, insurance, PMI and rent with property-specific estimates. Inputs stay in this browser.
PMI is not added automatically; enter it when applicable. Utilities and moving costs are excluded. Lender-specific fees need separate review.
Estimated monthly housing payment
$2,217
Planning estimate in US dollars. Edit the assumptions to match a specific home.
Estimate breakdown
- Principal and interest / month
- $1,517
- Property tax / month
- $500
- Home insurance / month
- $200
- Mortgage insurance / month
- $0
- HOA / month
- $0
- Housing payment / month
- $2,217
- Ownership budget including maintenance / month
- $2,467
- Upfront cash including closing costs and reserves
- $79,000
What home price fits my budget?
Adjust assumptions
About this estimate
Illustrative defaults, September 16, 2026—not live rates, a lender quote or loan approval. Replace taxes, insurance, PMI and rent with property-specific estimates. Inputs stay in this browser.
This estimate uses your spending budget and upfront cash. It does not evaluate income, debts or lender eligibility.
PMI is not added automatically; enter it when applicable. Utilities and moving costs are excluded. Lender-specific fees need separate review.
Estimated maximum search price
$304,347
Available upfront cash limits this estimate.
Planning estimate in US dollars. Edit the assumptions to match a specific home.
Estimate breakdown
- Principal and interest / month
- $1,539
- Property tax / month
- $507
- Home insurance / month
- $200
- Mortgage insurance / month
- $0
- HOA / month
- $0
- Housing payment / month
- $2,246
- Ownership budget including maintenance / month
- $2,496
- Upfront cash including closing costs and reserves
- $80,000
See the numbers behind a Texas rental
Adjust assumptions
About this estimate
Illustrative defaults, September 16, 2026—not live rates, a lender quote or loan approval. Replace taxes, insurance, PMI and rent with property-specific estimates. Inputs stay in this browser.
PMI is not added automatically; enter it when applicable. Utilities and moving costs are excluded. Lender-specific fees need separate review.
Monthly cash flow after financing and reserves
-$619
Planning estimate in US dollars. Edit the assumptions to match a specific home.
Monthly cash flow by year of ownership
- Cash flow turns positive
- Not within 10 years
- Cash you add over 10 years
- $58,556
Show the numbers as a table
| Year of ownership | Monthly cash flow | Downside monthly cash flow |
|---|---|---|
| 1 | -$619 | -$928 |
| 2 | -$592 | -$911 |
| 3 | -$565 | -$893 |
| 4 | -$536 | -$874 |
| 5 | -$507 | -$855 |
| 6 | -$476 | -$835 |
| 7 | -$445 | -$814 |
| 8 | -$413 | -$793 |
| 9 | -$380 | -$771 |
| 10 | -$346 | -$749 |
Assumes rent and costs grow at these rates every year while the loan payment and mortgage insurance stay fixed. An illustration, not a forecast or guarantee.
Estimate breakdown
- Annual NOI (before financing)
- $12,571
- Cap rate
- 4.2%
- Cash-on-cash return
- -10.0%
- Acquisition cash invested
- $74,000
- Break-even occupancy
- 123.1%
- Downside monthly cash flow¹
- -$928
¹ Downside uses 10% lower rent and 5 percentage points more vacancy. Change inputs to explore other cases. Returns are estimates, not guarantees. Cash flow deducts financing and capital reserves; NOI does not.
Request a property reviewNORTH TEXAS · SCHOOL EXPLORER
Start with a school district.
Choose an ISD to explore its schools, attendance boundaries and address lookup.
- McKinney ISDAttendance maps and published feeder pathways
- Plano ISDAttendance maps and pathways through senior high
- Richardson ISDAttendance maps and published school communities
- Frisco ISDAttendance maps and published feeder pathways
- Carrollton-Farmers Branch ISDLive attendance maps and published feeder pathways
City limits and school districts are different. A mailing city does not determine a home’s assigned schools.
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