BCS Home Affordability Calculator
What will your home actually cost each month?
Enter your details below — we'll calculate your real all-in monthly payment and tell you exactly where you stand.
01 — Home details
$
%
= $10,500 down
%
FHA 30-yr avg ~6.0% (Apr 2026)
02 — Location & taxes
Combined rate ~1.90% (city + CSISD + county)
$
Enter 0 if none
03 — Insurance
$
Per month (~$1,800/yr avg)
$
Only if required for your home
04 — Your finances
$
Before taxes, all earners
$
Car, student loans, cards
Your estimated all-in monthly payment
$0
calculating...
Principal & interest
—
Property tax
—
Homeowners insurance
—
Your numbers at a glance
Total monthly payment
—
Principal, tax, ins, HOA
Your DTI ratio
—
FHA allows up to 56.99%
Income to qualify
—
Min monthly gross needed
Cash needed to close
—
Down payment + closing costs — closing costs can often be covered by the seller, and down payment assistance programs may be available. Ask Morgan.
Your next steps
Talk to Morgan — (979) 589-7374
Free 15-minute call. No pressure, just clarity on your situation.
How this is calculated
MortgageStandard amortization formula. P&I only — taxes and insurance itemized separately.
Property taxCollege Station: City $0.5119 + CSISD $0.9729 + County $0.4197 = ~1.90%. Bryan: City $0.6240 + BISD $0.9492 + County $0.4197 = ~1.99%. Per $100 valuation, 2024–25 rates. Pre-homestead exemption.
PMI0.65% of loan/year when down payment under 20%.
DTIHousing + other debts ÷ gross income. FHA allows up to 56.99% back-end DTI.
Income to qualifyBack-solved so total debts = 56.99% of gross income.
Closing costsEstimated at 2.5% of purchase price — typical for BCS. Can often be covered by seller concessions.
DisclaimerEstimates only. Not a loan commitment or financial advice. Consult a licensed lender.
© 2025 Morgan Torres · Real Brokerage · Texas Real Estate License
This calculator provides estimates only and is not financial or legal advice.