Dallas County, TX Mortgage Calculator
Estimate your monthly mortgage payment in Dallas County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$2,505
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $256,000
LTV: 0.01%
P&I Payment
$1,695
Total Interest
$354,051
over loan life
Payoff
30 yr
Closing Costs
$4,383–$8,182
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,695 | $212 | $1,483 | $255,788 | $1,483 |
| 2 | $1,695 | $213 | $1,481 | $255,575 | $2,964 |
| 3 | $1,695 | $214 | $1,480 | $255,361 | $4,444 |
| 4 | $1,695 | $216 | $1,479 | $255,145 | $5,923 |
| 5 | $1,695 | $217 | $1,478 | $254,928 | $7,401 |
| 6 | $1,695 | $218 | $1,476 | $254,710 | $8,877 |
| 7 | $1,695 | $219 | $1,475 | $254,491 | $10,353 |
| 8 | $1,695 | $221 | $1,474 | $254,270 | $11,827 |
| 9 | $1,695 | $222 | $1,473 | $254,048 | $13,299 |
| 10 | $1,695 | $223 | $1,471 | $253,825 | $14,771 |
| 11 | $1,695 | $225 | $1,470 | $253,600 | $16,241 |
| 12 | $1,695 | $226 | $1,469 | $253,374 | $17,709 |
Months 1–12 of 360
2025 Loan Limits — Dallas County, TX
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Dallas County Mortgage
What is the property tax rate in Dallas County?
The effective property tax rate in Dallas County is approximately 2.10%. This means a home worth $320,000 would have an estimated annual tax bill of about $6,720.
What is the 2025 FHA loan limit in Dallas County?
The 2025 FHA loan limit for a single-family home in Dallas County, TX is $524,225.
What is the conforming loan limit in Dallas County?
The 2025 conforming loan limit in Dallas County is $806,500. Loans above this amount are considered jumbo loans.