Home Buying Calculators & Tools
Free calculators built for San Antonio, Killeen, and Central Texas buyers. Run the real numbers on your mortgage, BAH buying power, taxes, and closing costs before you commit.
What Can You Actually Afford?
How Much House Can I Afford?
Full affordability analysis for San Antonio buyers. Income, debts, taxes, insurance — the real number, not the bank’s maximum.
PITI Builder & Budget Test
Build your full monthly payment from scratch: principal, interest, taxes, insurance, HOA. See what each piece actually costs.
Real Mortgage Payment
The payment your lender quotes is never the full number. This calculator adds taxes, insurance, HOA, and PMI for the real total.
BAH Buying Power for JBSA & Fort Hood
JBSA BAH Calculator
Convert your Joint Base San Antonio BAH into a real home budget. See what your allowance buys after taxes, insurance, and HOA.
Fort Hood BAH Calculator
Killeen-area BAH to home budget conversion. See your buying power at Fort Hood rates with local tax and insurance estimates.
Will Your Budget Survive Year Two?
Texas Escrow Shock Test
Texas property taxes and insurance rise after year one. This stress test shows how much your payment jumps when escrow adjusts.
Commute Stress Test
That cheaper suburb might cost more when you factor in gas, hours, and wear. See the real annual cost of your commute.
Know the Real Numbers Before Closing
Cash to Close Calculator
Down payment, closing costs, prepaids, credits — see exactly what you need at the closing table and how to lower it.
Appraisal Gap Calculator
When the appraisal comes in low, know your options. Calculate the gap, the extra cash needed, and whether to renegotiate.
Insurance Quote & Buying Power
A lower insurance quote does more than save monthly — it increases your buying power. See how much more house you can afford.
HOA, MUD & PID Costs
Texas master-planned communities have HOA, MUD, and PID fees that add hundreds per month. Calculate the real impact before you buy.
New Build Tax Reality Check
New construction in Texas gets reassessed after year one. See what your property taxes will actually be once the county catches up.
Side-by-Side Comparisons & Guides
Mortgage Payment Calculator
Standard payment calculator plus rate stress testing. See how a 0.5% rate change shifts your monthly payment and total interest.
Mortgage Payment Guide 2026
Complete guide to mortgage payments with mini-tools for each component. Understand every line item before you sign.
Rent to Own vs. Buying
Side-by-side comparison calculator for Texas. See when renting-to-own makes sense and when traditional buying wins.
Property Tax Protest Guide
Calculator, letter generator, and deadline tracker for Bexar County and beyond. Protest your property taxes step by step.
Why LRG Built These Calculators
Most mortgage calculators online give you a principal-and-interest number and call it done. That number is wrong for Texas. Property taxes here run 1.8% to 2.8% of assessed value depending on the county and district. Insurance premiums have climbed 30% to 50% since 2022. MUD and PID assessments in master-planned communities add $200 to $400 per month that never appear in a generic calculator. The gap between the quoted payment and the real payment is where buyers get into trouble.
We built these tools to close that gap. Every calculator uses local San Antonio and Central Texas data — actual tax rates by county, current insurance ranges, real HOA and MUD fees from the neighborhoods our agents work in daily. When a Military family at JBSA runs the BAH calculator, the output reflects Bexar County taxes and San Antonio insurance, not national averages.
Run the numbers before you tour. A buyer who knows their real budget makes better offers, avoids escrow shock, and closes with confidence. If the numbers raise questions, an LRG agent can walk through them with you — no obligation, no pressure.
