🏦 LAND LOAN TOOL
Texas Land Loan Payment Calculator
Estimate monthly payments, qualifying income, and total loan cost for acreage lots in Greater Houston.
🏦 Land Loan Payment Calculator
$
Down: $30,000
$839
Monthly Payment
$120,000
Loan Amount
$35,960
Income Needed/yr
$182,061
Total Interest
About Texas Land Loans
Down Payment: Most Texas land lenders require 20–35% down for raw or semi-improved acreage lots.
Rates: Land loans typically carry slightly higher rates than home mortgages (6.5–9%+ depending on improvements).
Terms: Standard land loans offer 15–30 year terms when utilities are in place.
Qualifying: Most lenders use a 28% front-end DTI ratio for land loan qualification.