Texas Mortgage & Cash Outlay Estimator
Accurate monthly payment projections calibrated for Greater Houston and Galveston County—including local property taxes, MUD bonds, homestead deductions, and coastal insurance.
Texas PITI + MUD Cash Outlay Estimator
Accurate monthly payment projections calibrated for Greater Houston, Galveston County, and Brazoria County.
Why Texas PITI Requires Scientific Modeling
Unlike other states, your monthly Texas mortgage payment is heavily dictated by property tax jurisdictions (MUD vs PID bonds) and coastal windstorm certifications (TWIA WPI-8). The Legacy Group models these line items before you write an offer—saving you hundreds per month in unbudgeted escrow surprises.
Texas Homestead Exemption
Texas primary homeowners receive a $100,000 exemption on school district property tax valuations, along with a 10% annual appraisal cap. Our advisors help you file this upon closing.
MUD & PID Trajectories
Master-planned communities like Lago Mar, Meridiana, and Pomona feature Municipal Utility District bonds. As rooftops fill, MUD rates routinely decrease over time.
TWIA Windstorm & WPI-8
For coastal enclaves in Clear Lake, Kemah, and Galveston, Dr. Charles Lehnhoff audits structural elevation and WPI-8 building certificates to minimize insurance premiums.
Need a Comprehensive Buying Power Audit?
Connect with The Legacy Group and our preferred luxury lending partners for custom rate buydowns and pre-approval.