North Texas Planning Suite
Dallas Real Estate Calculator
One place to plan home buying, analyze concessions, compare counties, model commercial deals, and pressure-test sell/hold or business ideas.
Mortgage Calculator
County presets include typical home price, tax rate, insurance, utilities, HOA, and income context.
Loan program presets
Traditional option with no PMI and stronger pricing for many borrowers.
No PMI at 20% down. Good baseline for comparing other loan programs.
Saved presets
No saved presets yet.
$103,800 (20.00% of price)
Switch between fixed cash amount and % of price.
Estimated monthly outflow
$4,484
Collin County defaults active. Loan amount $415,200.
Cash to close
$119,370
Front / back DTI
35.8% / 42.0%
Interest over term
$516,822
Years saved w/ extra pay
0.0 years
Payment mix
Seller concessions vs lower sales price
Compare upfront cash savings from concessions to long-term monthly savings from negotiating a lower purchase price.
$0 (0.00% of price)
$10,000 (1.93% of price)
Concession usable at closing
$0
New cash to close: $119,370
Monthly savings from price cut
$72/mo
Breakeven: N/A
If you plan to refinance or move before the breakeven point, concessions may be more valuable. If you expect to keep the mortgage longer, a lower price often wins on total cost.
Amortization and payoff path
Remaining balance trajectory with and without extra principal payments.
Suggested payout schedules
Test common extra-payment plans and compare time and interest savings.
+$0/mo
Payoff in 30.0 years
$0 saved
0.0 years faster
+$100/mo
Payoff in 27.0 years
$62,045 saved
3.0 years faster
+$250/mo
Payoff in 23.6 years
$128,926 saved
6.4 years faster
+$500/mo
Payoff in 19.8 years
$202,665 saved
10.3 years faster
+$1,000/mo
Payoff in 15.0 years
$286,527 saved
15.0 years faster
Target income and budget planner
Set your underwriting target ratio and payment budget to estimate required income and max price.
Income needed for current scenario
$122,146/yr
Based on current payment + debts at 43.0% back-end DTI.
Estimated max home price at budget
$483,389
Uses your current rate/term/down-payment ratio assumptions.