Houston Master PlannedCommunity Discovery
2026 MUD Rates Audited
♡★ Texas PropTech Financial Engine📍 Calibrating for: Bridgeland (Harris Co.)
Know the Real Monthly Number
Before You Sign.
Builder portals show teaser principal. Our institutional model computes total monthly obligation — factoring in the Texas Homestead Exemption (§ 11.13), county CAD local options, true MUD infrastructure debt, and Houston hazard benchmarks.
🏢 Community Preset & Tax Jurisdiction
Bridgeland · Cypress (Harris Co.)
3.2% Tax RateView Profile →
Loan Structure
ℹ️ Balanced leverage. Reduced monthly private mortgage insurance (PMI).
Base builder price or contracted sales total
$
Presets:
$48,500 cash down ($436,500 loan)
%
Benchmarks:
Fixed annual percentage rate (APR)
%
Live Scenarios:
Loan Amortization Term
Combined MUD, ISD, County, and Special District ad valorem rates
%
🏛️
Texas Homestead Exemption Benefit (Tax Code § 11.13)
Saves you $120/mo ($1,439/year) on this home. Applies the mandatory $100,000 ISD deduction plus Harris County's local option.
Estimated True Monthly Out-of-Pocket
$4,618/mo
Conv 10% · 30-Yr Fixed · 6.625% APR
P&I Principal
$2,795
61% of paymentProperty Taxes
$1,173
25% of paymentInsurance (RCV)
$303
7% of paymentHOA Dues
$121
3% of paymentPrincipal & Interest
$436,500 loan @ 6.625%
$2,795
Property Taxes
Homestead Exemption applied (3.2%)
$1,173
Hazard Homeowners Insurance
0.75% Houston market benchmark
$303
Private Mortgage Insurance (PMI)
0.62%/yr on loan
$226
Master Association (HOA)
$1,450/year billed equivalent
$121
Total Monthly Out-of-Pocket$4,618
⚖️ Regulatory Disclosure & Assumptions
This calculation is an estimate for educational comparison purposes. Figures reflect the Texas Homestead Exemption under Texas Tax Code § 11.13 based on published CAD records.
HoustonMasterPlanned.com is not an NMLS-licensed mortgage lender. Consult a qualified loan originator for an official Loan Estimate (LE) under RESPA/TILA regulations.