Know your numbers before you make an offer
See today's national rates, estimate your monthly payment for any DFW county, check what you can comfortably afford, and get connected with a lender who will contact you directly.
Today's mortgage rates
National weekly averages from the Freddie Mac Primary Mortgage Market Survey. Your own rate depends on credit, down payment, loan type and property.
Source: Freddie Mac PMMS via the Federal Reserve Bank of St. Louis (FRED). National averages, not an offer or a quote.
Your location
Pick the county you are shopping in. It travels with your request so the lender and agent see the right market.
Property tax and insurance vary by city, school district and any MUD or PID in the neighborhood. Use the calculator fields to match a real listing.
The core of the metroplex — the widest range of price points in North Texas, from close-in condos to established estate neighborhoods.
- —The metroplex's largest job center — downtown Dallas, Uptown, and Las Colinas.
- —DART light rail connects the city core and inner suburbs.
- —The widest range of price points in North Texas, from close-in condos to Highland Park and Preston Hollow estates.
Your numbers
Three calculators, one set of rates. Everything you enter is sent with your request, so the lender starts with the full picture.
Tax, insurance and closing costs are starting estimates. Edit them to match a real listing and quote.
- Principal & interest$2,383
- Property tax$788
- Home insurance$206
Which loan fits you?
Pick the one you are curious about. It updates the calculator and is noted on your request.
Requirements vary by lender and change over time. A lender will confirm which programs you qualify for.
Get pre-approved, not just pre-qualified
Pre-qualification is a quick estimate. Pre-approval means a lender has verified your income, assets and credit, and it is what sellers want to see. Gather these and the process moves fast.
- 1Talk to a lenderShare your goals and get an idea of your range.
- 2Apply and verifySubmit your documents. The lender checks income, assets and credit.
- 3Get your pre-approval letterUse it to make strong offers.
- 4Contract, appraisal and underwritingThe lender orders an appraisal and finalizes approval.
- 5ClosingReview your Closing Disclosure, sign and get the keys.
Texas programs worth asking about
Eligibility, income limits and terms change. Confirm details with the program or a lender before relying on them.
Common questions
The things buyers ask us most.
Pre-qualification is a quick estimate based on what you tell a lender. Pre-approval means the lender has verified your income, assets and credit, and it is the letter sellers take seriously. Get pre-approved before you start making offers.
Talk to a lender
We do not lend money. We will pass your details to a trusted lender who will contact you with real numbers. Your request goes straight to our team by email.
Updates live as you use the tools above. All of it is sent with your request.
- Calculators Used
- Monthly payment
- County
- Dallas County
- Loan Type Interest
- Not sure yet
- Live Rate Reference
- 30-yr 6.95% / 15-yr 6.26% (Freddie Mac, week of September 17, 2026)
- Home Price
- $450,000
- Down Payment
- $90,000 (20%)
- Loan Amount
- $360,000
- Interest Rate
- 6.95%
- Loan Term
- 30 years
- Property Tax Rate
- 2.1% per year
- Home Insurance Rate
- 0.55% per year
- Hoa Per Month
- $0
- Monthly Principal Interest
- $2,383
- Monthly Property Tax
- $788
- Monthly Home Insurance
- $206
- Monthly Mortgage Insurance
- $0
- Estimated Monthly Payment
- $3,377
- Estimated Closing Costs
- $13,500 (3%)
- Estimated Cash To Close
- $103,500
- Pre Approval Docs Ready
- 0 of 8
Estimates are for illustration only and are not a loan offer, pre-approval or commitment to lend. Rates and terms depend on the lender and your circumstances.
KMA Realty Group is a real estate practice, not a mortgage lender or broker, and does not make loans or loan commitments. Rates shown are national averages for information only. Calculator results are estimates and not a loan offer. Consult a licensed lender for a quote based on your situation.