Texas Rural Land Loan Calculator

Estimate monthly payments for hunting land, ranch, and recreational property purchases in Texas.

Property Details

Purchase Price ($)

Est. Annual Property Tax ($)

Ag-exempt land is typically $300-$800/yr. Ask your agent.

Scenario A

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Monthly Payment

—

Loan Amount—

Cash to Close—

Enter a purchase price above

Scenario B

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Monthly Payment

—

Loan Amount—

Cash to Close—

Enter a purchase price above

Why Standard Mortgage Calculators Fail for Texas Land

Residential calculators assume a 3.5% down payment and suburban property tax rates. Rural land financing is different. Most land lenders (Capital Farm Credit, AgTexas, local rural banks) require 20-35% down. Ag-exempt land often has 95% lower property taxes than residential. This calculator reflects the reality of buying hunting land and ranches in Texas.

Cash to Close Shock

Down payment + ~2% closing costs = the actual check you write at closing. Many buyers underestimate this figure.

Ag-Exempt Tax Rates

Ranch land with agricultural or wildlife exemption can pay as little as $300-$800/year in property taxes, regardless of purchase price.

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