Run Your Own Numbers
Investment Calculator
Start with a purchase price, set your down payment, and watch the payment, the payoff date, and the long term equity picture move together. Every figure on this page comes from the values you enter.
Three tools, one set of numbers. Enter a purchase price and a down payment and the monthly payment calculator does the rest. The equity projection underneath reads those same figures, so a change at the top flows all the way down. If you would rather start from a payment you are comfortable with, the affordability tool works backwards and hands the price straight back to the top.
Estimate your monthly payment
Set the purchase price and how much you plan to put down. The loan amount is worked out for you, and everything else on this page follows from it.
That is $43,750 down.
Purchase price less your down payment. Change either field above to move it.
Total interest is the full amount of interest paid over the life of the loan, amortized over 30 years.
What price does my budget support?
Enter a payment you are comfortable with. Using the rate, term, and down payment set above, this shows the largest purchase price that payment covers.
That price assumes a loan of $180,000 after your down payment, at the rate and term above. Principal and interest only. Rounded down to the nearest $500 so the payment stays inside your budget.
How ownership can build equity over time
Every payment you make chips away at what you owe. Pair that with an appreciation assumption you set yourself and you can see how value and equity might move over the years. The numbers below read straight from the purchase price, down payment, rate, and term you entered above.
Set any rate you want to test. 5.5% is used as a starting illustration, in line with the kind of average annual change Texas rural land values have shown over the past twenty years.
Built from the purchase price, down payment, rate, and 30 year term entered above.
Total bar height is the hypothetical property value. Illustrative figures only.
| Year | Hypothetical Value | Loan Balance | Owner Equity |
|---|
Before you rely on these numbers
Everything on this page is a self serve illustration built from figures you type in. Please read the five points below.
- Estimates and illustrations, not an offer of credit. No figure here is a quote, an approval, or a commitment to lend, and none of it guarantees a rate, a payment, a term, or an outcome. Actual rates and terms depend on the lender you choose and on your own qualifications.
- Principal and interest only. The payment shown covers loan principal and interest. Property taxes, insurance, closing costs, and costs of sale sit outside these figures, so plan for those separately with your lender.
- Appreciation is an assumption you set. The appreciation rate is a number you choose for illustration, not a forecast and not a promise. Land values can go up as well as down, past performance does not predict future results, and real outcomes depend on market conditions, the individual tract, improvements, and the timing of any sale.
- Legacy Oaks is not a lender. We do not originate loans, we receive no compensation from any lender listed on our Preferred Lenders page, and we do not provide investment, tax, or legal advice.
- Confirm everything before you act. Take these figures to your lender and to your own financial, tax, and legal advisors, and rely on what they confirm in writing.
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