Affordability Calculator

💡 Before taxes — combine income for everyone who'll be on the loan.

Please enter your monthly gross income.

💡 Only include income you can document with tax returns or bank statements (bonus, side work, rental income).

💡 Total for all vehicles you're currently financing.

💡 Use your minimum required payment, not what you actually pay.

💡 Include any other required monthly loan payments.

💡 FHA loans: 3.5% minimum. Conventional: 5–20%. No PMI at 20%+. Enter a dollar amount if you're not sure of the percentage yet — we'll estimate it against your results.

💡 Current average: 6.65% (November 2025). Rate varies by credit score.

💡 Cameron County typical: 2.0–3.0% annually.

💡 Average in Texas: $1,000–$1,500/year (not PMI).

💡 Many Brownsville homes have NO HOA. Enter $0 if none.