--- title: "Mortgage Calculator | Nook Realty" description: "Estimate your monthly mortgage payment including principal, interest, taxes, insurance, and HOA for Hill Country and Austin-area homes." lang: en json-ld: | { "@context": "https://schema.org", "@graph": [ { "@type": [ "RealEstateAgent", "LocalBusiness" ], "@id": "https://nook-realty.com/#organization", "name": "Nook Realty", "url": "https://nook-realty.com", "logo": "https://nook-realty.com/favicon.png", "image": "https://nook-realty.com/favicon.png", "description": "Nook Realty, founded by Jennifer Ferrara, serves luxury and Hill Country buyers and sellers across Austin, Driftwood, Dripping Springs, Buda, Bee Cave, Lakeway and Wimberley, Texas.", "telephone": "+1-512-960-2058", "email": "jennifer@nookrealtygroup.com", "priceRange": "$$$", "founder": { "@type": "Person", "name": "Jennifer Ferrara" }, "parentOrganization": { "@type": "RealEstateAgent", "name": "Sprout Realty ERA Powered", "employee": { "@type": "Person", "name": "Cody Cooper", "jobTitle": "Broker of Record" } }, "address": { "@type": "PostalAddress", "streetAddress": "2506 S Lamar Blvd", "addressLocality": "Austin", "addressRegion": "TX", "postalCode": "78704", "addressCountry": "US" }, "areaServed": [ "Austin, TX", "Driftwood, TX", "Dripping Springs, TX", "Buda, TX", "Bee Cave, TX", "Lakeway, TX", "Wimberley, TX" ], "sameAs": [ "https://www.instagram.com/thenookaustin/" ] }, { "@type": "WebSite", "@id": "https://nook-realty.com/#website", "url": "https://nook-realty.com", "name": "Nook Realty", "publisher": { "@id": "https://nook-realty.com/#organization" }, "potentialAction": { "@type": "SearchAction", "target": "https://nook-realty.com/search/address?q={search_term_string}", "query-input": "required name=search_term_string" } } ] } --- We use cookies. We use cookies to enhance your experience. [Learn more](/privacy-policy) AcceptRejectCustomize [![Nook Realty](/__l5e/assets-v1/2100afb9-db3e-4a2b-b60e-6087199d0ab7/nook-logo.png)](/) About [Communities](/neighborhood) Buy with us Buyer's guide [Mortgage](/mortgage) Sell with us Contact us Get in Touch Menu - [Home](/) - Buy with us - [Communities](/neighborhood) - [Mortgage](/mortgage) - About - Resources - [Testimonials](/#testimonials) - Contact us Get in Touch Buyer's guide # Mortgage calculator. Estimate your monthly payment on a Hill Country or Austin-area home. Adjust the inputs to see how down payment, rate, taxes, and insurance shape your number. Home price $ Down payment $ Interest rate (%) Loan term (years) Annual property tax $ Annual home insurance $ Monthly HOA $ Estimated monthly payment $4,145 Principal & interest $3,287 Property taxes $708 Insurance $150 HOA $0 Loan amount $520,000 Talk with our team Estimates only. Actual rates and payments depend on credit, lender, loan program, and property specifics. Not a loan offer. Texas closing costs ## Estimated buyer closing costs. Texas does not have a state or local real estate transfer tax. Buyer costs at closing typically run between 2% and 3% of the purchase price, depending on loan program, lender, and what the seller agrees to cover. Lender's title policy $520 Loan origination & underwriting (~1%) $5,200 Appraisal $650 Inspection $550 Survey (if not provided by seller) $550 Escrow / settlement fee $450 Recording & document prep $250 Prepaid property taxes (~3 mo reserves) $2,125 Prepaid homeowners insurance (12 mo + reserves) $2,100 Estimated total at closing $12,395 ≈ 1.91% of purchase price Note: In Texas, the seller customarily pays for the owner's title policy. HOA transfer/resale certificates, MUD/PID transfer fees, and home warranty premiums vary by community and contract. Final numbers come from your lender's Loan Estimate and the title company's settlement statement. Next Step ## Numbers look workable? Let's pressure-test them together. Jennifer is both a luxury REALTOR® and a licensed loan officer in Texas. In a short conversation we can confirm the loan structure that fits, sharpen the closing-cost number to your specific community, and map a realistic path to a competitive offer. Talk to Jennifer [![Nook Realty](/__l5e/assets-v1/43ffc338-a8c0-4fec-9868-c1534d77a598/nook-logo-onblack.png)](/) Luxury and Hill Country real estate, helping relocating buyers and sellers in Driftwood, Dripping Springs, Buda, Bee Cave, Johnson City, Wimberley, Austin, the Texas Hill Country, and surrounding Hill Country communities. [(512) 994-8080](tel:+15129948080)[jennifer@nookrealtygroup.com](mailto:jennifer@nookrealtygroup.com) Sprout Realty ERA Powered 2506 S Lamar Blvd, Austin, TX 78704 [](https://www.facebook.com/NookRealtyAustin/)[](https://www.instagram.com/thenookaustin/) ## Explore - [About](/about) - [Meet the Team](/team) - [Communities](/neighborhood) - [Map search](/idx/map-search) - [Buyer guide](/buyer-guide) - [Contact](/contact) - Work with us ## Communities - [Parten](/neighborhood/parten) - [Rim Rock](/neighborhood/rim-rock) - [Rutherford West](/neighborhood/rutherford-west) - [Reunion Ranch](/neighborhood/reunion-ranch) - [Sunset Canyon](/neighborhood/sunset-canyon) - [Belterra](/neighborhood/belterra) - [Highpointe](/neighborhood/highpointe) - [Rough Hollow](/neighborhood/rough-hollow) - [Howard Ranch](/neighborhood/howard-ranch) - [La Ventana](/neighborhood/la-ventana) - [Spanish Oaks](/neighborhood/spanish-oaks) - [Barton Creek](/neighborhood/barton-creek) ## Search homes by community - [Homes for sale in Parten](/idx/parten) - [Homes for sale in Rutherford West](/idx/rutherford-west) - [Homes for sale in Sunset Canyon](/idx/sunset-canyon) - [Homes for sale in Belterra](/idx/belterra) - [Homes for sale in Highpointe](/idx/highpointe) - [Homes for sale in Rough Hollow](/idx/rough-hollow) - [Homes for sale in La Ventana](/idx/la-ventana) - [Homes for sale in Spanish Oaks](/idx/spanish-oaks) - [Homes for sale in Barton Creek](/idx/barton-creek) - [Map search](/idx/map-search) - [Buyer guide](/buyer-guide) SMS & Messaging Consent (A2P 10DLC): By providing your phone number to Nook Realty, you agree to receive call, email, and SMS messages from Nook Realty regarding real estate services. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to opt out at any time. Consent is not a condition of any purchase. See our [Privacy Policy](/privacy-policy) and [SMS Terms](/terms-of-service). Nook Realty is a team of real estate professionals operating under Sprout Realty ERA Powered , a licensed real estate brokerage in the State of Texas. Cody Cooper is the Broker of Record and Principal Broker of Sprout Realty ERA Powered. Jennifer Ferrara is the Founder of Nook Realty. All information deemed reliable but not guaranteed. Each office independently owned and operated. Equal Housing Opportunity. © 2026 Nook Realty · All rights reserved. [Privacy Policy](/privacy-policy)[Terms of Service](/terms-of-service)Cookie Settings