El Paso County, TX Mortgage Calculator
Estimate your monthly mortgage payment in El Paso County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$1,625
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $156,000
LTV: 0.01%
P&I Payment
$1,033
Total Interest
$215,750
over loan life
Payoff
30 yr
Closing Costs
$3,052–$5,697
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,033 | $129 | $904 | $155,871 | $904 |
| 2 | $1,033 | $130 | $903 | $155,741 | $1,806 |
| 3 | $1,033 | $131 | $902 | $155,610 | $2,708 |
| 4 | $1,033 | $131 | $901 | $155,479 | $3,610 |
| 5 | $1,033 | $132 | $900 | $155,347 | $4,510 |
| 6 | $1,033 | $133 | $900 | $155,214 | $5,410 |
| 7 | $1,033 | $134 | $899 | $155,080 | $6,309 |
| 8 | $1,033 | $134 | $898 | $154,946 | $7,207 |
| 9 | $1,033 | $135 | $897 | $154,810 | $8,104 |
| 10 | $1,033 | $136 | $897 | $154,674 | $9,001 |
| 11 | $1,033 | $137 | $896 | $154,538 | $9,897 |
| 12 | $1,033 | $138 | $895 | $154,400 | $10,792 |
Months 1–12 of 360
2025 Loan Limits — El Paso County, TX
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — El Paso County Mortgage
What is the property tax rate in El Paso County?
The effective property tax rate in El Paso County is approximately 2.16%. This means a home worth $195,000 would have an estimated annual tax bill of about $4,212.
What is the 2025 FHA loan limit in El Paso County?
The 2025 FHA loan limit for a single-family home in El Paso County, TX is $524,225.
What is the conforming loan limit in El Paso County?
The 2025 conforming loan limit in El Paso County is $806,500. Loans above this amount are considered jumbo loans.