Houston, TX Mortgage Calculator
Estimate your monthly mortgage payment in Houston including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$2,321
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $232,000
LTV: 0.01%
P&I Payment
$1,536
Total Interest
$320,859
over loan life
Payoff
30 yr
Closing Costs
$4,064–$7,585
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 | $1,536 | $192 | $1,344 | $231,808 | $1,344 |
| 2 | $1,536 | $193 | $1,343 | $231,615 | $2,686 |
| 3 | $1,536 | $194 | $1,341 | $231,421 | $4,028 |
| 4 | $1,536 | $195 | $1,340 | $231,225 | $5,368 |
| 5 | $1,536 | $197 | $1,339 | $231,029 | $6,707 |
| 6 | $1,536 | $198 | $1,338 | $230,831 | $8,045 |
| 7 | $1,536 | $199 | $1,337 | $230,632 | $9,382 |
| 8 | $1,536 | $200 | $1,336 | $230,432 | $10,718 |
| 9 | $1,536 | $201 | $1,335 | $230,231 | $12,052 |
| 10 | $1,536 | $202 | $1,333 | $230,029 | $13,386 |
| 11 | $1,536 | $203 | $1,332 | $229,825 | $14,718 |
| 12 | $1,536 | $205 | $1,331 | $229,621 | $16,049 |
Months 1–12 of 360
2025 Loan Limits — Harris 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 — Houston Mortgage
What is the average mortgage payment in Houston?
Based on the median home value of $290,000 in Houston, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Houston?
The 2025 FHA loan limit for Houston (Harris County) is $524,225.
What is the conforming loan limit in Houston?
The 2025 conforming loan limit for Houston is $806,500. Loans above this are considered jumbo.