About FL & TX Mortgage Tools

Last updated: July 2026

FL & TX Mortgage Tools is an independent educational website that helps home buyers and homeowners in Florida and Texas estimate mortgage payments, closing costs, and reverse mortgage proceeds using state-specific defaults.

Our mission

Buying a home in Florida or Texas involves costs that generic national calculators often miss — documentary stamp taxes in Florida, high property tax rates in Texas, homestead exemptions, VA funding fees, and regulated title insurance. We built localized tools so you can see realistic numbers before talking to a lender.

What we offer

• Mortgage calculators with PITI breakdown, PMI, HOA, and homestead exemption modeling
• Closing cost estimators with Florida doc stamps or Texas title insurance defaults
• Reverse mortgage (HECM) calculators using simplified HUD principal limit factors
• First-time home buyer guides covering state programs and the buying process

What we are not

We are not a mortgage lender, broker, bank, or financial advisor. We do not originate loans, collect applications, or provide personalized financial advice. All calculator outputs are estimates for educational purposes. Always verify figures with a licensed lender, title company, or tax professional before making decisions.

How we make money

This site may display advertisements (such as Google AdSense) and may earn a commission if you click ads or use linked services. Advertising does not influence our calculator logic or default assumptions. See our Privacy Policy for details on data and cookies.

Accuracy and updates

Tax rates, insurance averages, title premiums, and HUD PLF tables change over time. We update defaults periodically and show a “last updated” date on calculator pages. County-level rates can differ significantly from statewide averages — adjust inputs to match your property.

Questions? Visit our Contact page.