Tools & Calculators
Before You Build or Buy
These four tools help you compare builder incentives, weigh offers, estimate the true cost of new construction, and check what a payment really looks like before you talk to anyone.
No accounts, no sign-up, no waiting. Every calculator runs right in your browser and updates as you type. Results are estimates for planning, not quotes, loan approvals, or appraisals. A local lender and a licensed Broker make the final numbers real.
How to use these tools
Each calculator loads with realistic North Texas defaults. Change any number and the results update instantly. Use the monthly payment to compare scenarios, then verify with a lender and with Theresa, who represents buyers on new construction throughout Northlake, Argyle, Justin, Denton, Flower Mound, and Hickory Creek.
Builder Incentive Calculator
Builders advertise incentives three common ways: rate buydown points, a closing-cost credit, or a price reduction. This tool shows what each one does to your monthly payment and what it is worth in dollars.
- Compare payment with and without the incentive
- See the incentive's total dollar value
- Test which type helps you most
Monthly payment, no incentive
$2,528
Monthly payment, with incentive
$2,398
You save each month
$130
Total dollar value of incentive
$8,000
Which Builder Quote Is Really Better?
Builders quote different base prices, lot premiums, included upgrades, rates, and incentives. Enter two or three quotes and this tool puts them side by side with the monthly payment that matters.
Shared assumptions
Builder 1
Total purchase price$565,000
Down payment$113,000
Loan amount$452,000
Builder incentive$15,000
Net price after incentive$550,000
Monthly payment$2,857
Builder 2
Total purchase price$555,000
Down payment$111,000
Loan amount$444,000
Builder incentive$20,000
Net price after incentive$535,000
Monthly payment$2,734
What Does the All-In Total Really Look Like?
The base price is only the start. Toggle the line items below, adjust each amount, and watch your estimated all-in total add up.
One-time purchase costs
Ongoing annual costs (first-year estimate)
Estimated all-in total
$588,000
The sum of every cost item you have toggled on, using the amounts you entered.
Taxes and HOA / MUD / PID are annual recurring costs, shown here as the first-year estimate.
Financing and interest are handled in the Mortgage Calculator.
Verify exact taxes and special districts by address with a local expert.
What Will My Monthly Payment Really Be?
Principal and interest are only part of the picture. Add estimated taxes and insurance to see a more realistic total monthly payment for a North Texas home.
This estimate does not include HOA fees, MUD / PID assessments, private mortgage insurance, or flood insurance unless you add them through your lender.
Estimated total monthly payment
$3,563
Principal & interest
$2,655
Loan amount
$420,000
Monthly taxes
$708
Monthly insurance
$200
Estimates to Start With, Not Numbers to Bank On
- Monthly payment math uses standard fixed-rate amortization. Your lender's rate, fees, and loan program will differ.
- The buydown estimate assumes each point lowers the rate about 0.25%. Actual buydown pricing varies by lender and market.
- Property taxes, HOA, MUD, and PID costs depend on the exact address, and they change over time.
- Theresa De La Rosa, Broker, walks buyers through these exact comparisons on new construction throughout Northlake, Argyle, Justin, Denton, and Flower Mound.
Want a Second Set of Eyes on Your Numbers?
A calculator shows you the math. Theresa shows you the strategy, from comparing builder offers to protecting your equity. Book a free, no-obligation consultation.