De dónde salen estas cifras

Las reglas de préstamo, las cuentas fiscales y los rendimientos de planificación que usa cada página, compre donde compre.

• ConfirmadaFannie Mae HomeReady / Freddie Mac Home Possible (dossier A9)a fecha de 2026

  3% minimum down payment on income-restricted, first-time-buyer-oriented conventional programmes.

• ConfirmadaHomeowners Protection Act of 1998 (78%/80% LTV mechanics)a fecha de 2026

  Borrower may REQUEST cancellation at 80% of ORIGINAL value, current on payments (dossier A9).

  Servicer must AUTOMATICALLY terminate PMI at 78% of original value, regardless of request, if current on payments (dossier A9).

• ConfirmadaHUD Handbook 4000.1 baseline (dossier A8)a fecha de 2026

  3.5% at FICO >=580; 10% at FICO 500-579. DATA ONLY — no engine function reads the FHA programme yet.

• ConfirmadaFHFA, "FHFA Announces Conforming Loan Limit Values for 2026" (news release, 2025-11-25)a fecha de 2025-11-25

  $832,750 baseline, 1-unit (dossier A7). Harris County is not separately named in this release; multiple secondary mortgage-industry sources report it at the baseline, not independently checked against FHFA's county-level data file.

• ConfirmadaIRS, IR-2025-103 / Revenue Procedure 2025-32 (2026 tax-year inflation adjustments)a fecha de 2025-10-09

  Single/MFS $16,100, MFJ $32,200 (dossier A1).

  2026 federal single-filer brackets (dossier A2), fetched directly off the IRS release with one transcription glitch corrected in the dossier (MFJ's 22% threshold is $100,800, confirmed by the $50,400 x 2 doubling pattern and an independent secondary source). The table itself — the single-filer brackets used here — is high; see the field's own top-level comment for why MFJ is not modelled.

• ConfirmadaIRS Publication 936, Home Mortgage Interest Deduction (2025-return edition, live 2026-09-03)a fecha de 2026-09-03 (Pub. 936 read live)

  $750,000 acquisition-debt cap, made permanent by OBBBA rather than reverting to $1,000,000 (dossier A3). The $750,000 figure itself is high; the "OBBBA made it permanent" characterization is medium, resting on secondary tax-industry commentary rather than a reissued IRS publication.

• ConfirmadaIRS Publication 523, Selling Your Home (2025-return edition, live 2026-09-03)a fecha de 2026-09-03 (Pub. 523 read live)

  $250,000 single / $500,000 MFJ, subject to a 24-of-last-60-months ownership and use test (dossier A6). Long-standing, not inflation-indexed, unaffected by OBBBA.

• ConfirmadaFreddie Mac, Primary Mortgage Market Survey (PMMS), week of 2026-08-27a fecha de 2026-08-27

  Freddie Mac PMMS 30-year fixed, 6.66% (dossier A12), fetched directly off freddiemac.com/pmms. Applied to all four `rates` slots — see the field's own comment for why. The PMMS also carries a 15-year fixed figure (5.98%) that this dataset does not yet have a slot for; disclosed here rather than silently dropped.

  Same PMMS 30-year figure as rates.insured — the US has no insured/uninsured rate spread; see that field's provenance note.

  Not a real variable-rate product figure — ARMs are out of scope (ArmProfile is a type-only slot). Carried at the PMMS 30-year fixed figure so the field is not silently zero.

  Same caveat as rates.variable.

• ConfirmadaBLS, Consumer Price Index Summary, release 2026-08-12 (data through July 2026)a fecha de 2026-08-12

  BLS CPI-U, 12-month change to July 2026: +3.4% (dossier A13), fetched directly.

• ConfirmadaSin fuente publicada

  null is not a missing value: no federal minimum-qualifying-rate stress test exists on a US mortgage. Every engine reader qualifies at the bare contract rate when this is null.

• ConfirmadaSin fuente publicada

  30-year fixed is the standard US conforming term this dataset models. No maxAmortFtbInsured concept exists — see the Canada-only field's own comment.

• ProbableSecondary corroboration of conventional lending minimums (dossier A9), not independently fetched from Fannie Mae's own Selling Guidea fecha de 2026
• ProbableSecondary synthesis of HUD Mortgagee Letter 2023-05 (FHA annual MIP bands), not independently fetched from a HUD PDF this passa fecha de 2026
• ProbableHUD Mortgagee Letter 2025-23, "2026 Nationwide Forward Mortgage Loan Limits"a fecha de 2025-12-11

  The $541,287 NATIONAL FLOOR is confirmed high directly off the fetched ML 2025-23 PDF (dossier A8). That this floor is what applies to Harris County specifically is medium: the ML does not enumerate county-by-county limits, and the county-specific entp.hud.gov lookup was not queried this pass.

• ProbableRev. Proc. 2025-32, reached via secondary synthesis (dossier A4) — not independently fetched from irs.gova fecha de 2026

  $40,400 for most filers. The MAGI-based phase-down above $505,000 is NOT modelled by rentVsBuy() — the flat cap is applied unconditionally, which understates the benefit for a high earner above the phase-down threshold and is therefore the conservative direction for this product's "you probably get less than you think" message.

• ProbableOne Big Beautiful Bill Act §70108 (Public Law 119-21), restoring the PMI/MIP deduction for TY2026; IRS Publication 936, Home Mortgage Interest Deduction (2025-return edition, live 2026-09-03)a fecha de 2026-09-03

  Restored for tax year 2026 by OBBBA §70108 (dossier A5) — but the currently-published IRS Pub. 936 (2025-return edition, read directly 2026-09-03) still says the deduction "has expired", because IRS has not yet issued a 2026-year edition. The law is corroborated by industry sources, not yet reflected in a primary IRS document, hence medium rather than high.

• ProbableConventional "soft" DTI guideline (dossier A11)a fecha de 2026

  The conventional "soft" guideline, not a hard automated-underwriting cap: Fannie Mae's Desktop Underwriter accepts up to 45%, sometimes 50% with compensating factors, and FHA's own guideline is 31/43 (dossier A11). 28/36 is disclosed as the classic guideline this field's Canadian counterpart (gds/tds) already models — same shape, different label, per the design spec.

• ProbableLong-term capital gains rate brackets (0/15/20% by income) — secondary synthesisa fecha de 2026

  15% flat is the ASSUMPTION this field discloses: the true US long-term capital-gains rate is itself progressive by income (0% below roughly $48,350 single / $96,700 MFJ for 2026, 15% in the middle, 20% above roughly $533,400 single), so a flat 15% is a mid-bracket stand-in, not a published single rate. Chosen because most buyers modelled here sit in the 15% band; a later pass could make this income-dependent the way marginalRate() already is for ordinary income.

• SupuestoSin fuente publicada

  Nobody publishes one true "typical" PMI rate: private mortgage insurers (MGIC, Radian, Arch, Essent, National MI) each run their own risk-based pricing grid by credit score and LTV, and the widely-cited range is roughly 0.3%-1.5%/year of the loan balance (dossier A10). 0.75% is the midpoint of that range, disclosed as a modelling default rather than a citation — the same category as the Canadian file's $150 heat allowance or $500 inspection fee.

• SupuestoSin fuente publicada

  No regulator publishes a standard escrow cushion; two months of property tax and insurance is the commonly cited lender convention.

• SupuestoFHFA House Price Index Quarterly Report, 2026Q2 & June 2026 (2026-08-25)

  The FHFA HPI's own 10-year compounded nominal growth rate, June 2016 to June 2026, is +6.93%/year — read directly off two published index points (dossier A13) and NOT used here. That decade includes the post-2020 pandemic price surge; presenting its trailing average as the long-run assumption for a 10-to-40-year projection model would be the same mistake the Canadian file's own appreciation note warns against ("a projection assumption is still an assumption"). 4.0% (CPI plus a ~60bp real-appreciation premium) is disclosed as a deliberately more conservative modelling choice than the sourced decade figure, in the same spirit as the Canadian record choosing FP Canada's forward-looking guideline over a trailing return. A later pass may want to reconcile this against FP Canada's own US-facing guidance, if one exists, rather than a house-picked premium.

• SupuestoSin fuente publicada

  Zero appreciation, offered deliberately as the assumption-free case rather than as a forecast — mirrors the Canadian record.

• SupuestoSin fuente publicada

  Set equal to appreciation.inflation (BLS CPI) rather than the Canadian record's deliberate 90bp premium — no US-specific evidence was gathered this pass on whether insurance/utility/condo-fee inflation runs ahead of headline CPI the way the Canadian note argues it does. A later pass should either source that gap for the US or explain why none exists.

• SupuestoSin fuente publicada

  Carried over from the Canadian record's FP Canada short-term assumption — no US-specific forward-looking guideline was sourced this pass.

• SupuestoSin fuente publicada

  Same caveat as investReturn.cash.

• SupuestoSin fuente publicada

  Same caveat as investReturn.cash — no US high-yield-savings or T-bill benchmark was sourced this pass.

• SupuestoSin fuente publicada

  1 (the full monthly HOA/condo fee), not CMHC's 50% convention: Fannie Mae's and FHA's DTI guidance generally counts the FULL HOA assessment, not half of it — this is a modelling default matching that general practice, not read off a specific underwriting manual this pass.

• SupuestoSin fuente publicada

  DEPRECATED, unread by any engine function — see the field's own comment on CountryRulesBase. `gains` below is what waterfall() actually reads.

• SupuestoSin fuente publicada

  5.5%, an assumption in the same category as the Canadian record's 5% — no regulator publishes a standard US real-estate commission (commissions are negotiable, and the 2024 NAR settlement changed buyer-agent-commission practice without setting a new standard rate). The midpoint of the commonly cited 5-6% post-settlement range.

• SupuestoSin fuente publicada

  1%-of-value-per-year, the same widely repeated rule of thumb the Canadian record uses — not a published US standard either.

Lo que cobran la provincia y la ciudad por transferir el título y registrar la hipoteca, más cualquier impuesto sobre la prima del seguro.

• SupuestoSin fuente publicada

  Not a figure — organisation names only, for /sources attribution.

Reembolsos y créditos que reducen la cuenta: unos en el cierre, otros solo al presentar la declaración.

Todavía no hay ninguna fuente registrada para esta jurisdicción.

Una tasa publicada se aplica a una valoración catastral, que no siempre es el precio de venta. Cuando difieren, la tasa que ve está derivada, y aquí se dice cómo.

• Confirmadahctax.net, Jurisdiction Tax Rates (Harris County's four-entity rate page); City of Houston, "Notice of Meeting to Vote on Tax Rate" (TY25, houstontx.gov); Houston ISD, tax-information page (houstonisd.org), adopted 2025-10-15; Houston Community College, truth-in-taxation page (hccs.edu), certified 2025-09-16a fecha de 2025 tax year (adopted fall 2025)

  Combined nominal rate 2.120422 per $100, each component fetched directly off its own taxing entity's page (dossier C3): Harris County four-entity 0.624130 (general 0.380960 + flood control 0.049660 + hospital district 0.187610 + port 0.005900), City of Houston 0.519190, HISD 0.878300, HCC 0.098802.

  Same as propTax.effective — Texas taxes at market value with no assessment ratio distinct from 1, so the two fields hold the same number.

• ConfirmadaBallotpedia (Texas Proposition 13, 2025) and Lt. Gov. Dan Patrick's office statement on S.B. 4 / S.J.R. 2 — school-district homestead exemption raised to $140,000, ratified 2025-11-04, retroactive to TY2025a fecha de 2025-11-04 (Prop 13 certified, retroactive to TY2025)

  $140,000 general homestead exemption against the HISD portion only — see the field's own note above for what is and is not modelled. The 10% homestead appraisal cap on YEAR-OVER-YEAR growth (Tax Code s.23.23, unchanged by the 2025 amendment) is NOT modelled: for a fresh purchase the appraised value in year one is the purchase price itself, so the cap does not bind until a later reassessment year, which this single-year figure does not project.

Precios de referencia, alquileres y variación interanual. Los publicadores difieren en la métrica —referencia, mediana o promedio— y cada entrada dice cuál es.

• ConfirmadaHouston Association of REALTORS (HAR), "Houston Buyers Gain More Choices as Inventory Hits Record High" (July 2026 Housing Market Update, published 2026-08-31)a fecha de 2026-07

  HAR single-family median, $340,000, +0.6% YoY (dossier C1 addendum). Read via a proxy that extracts page text — har.com blocks direct automated fetches (PerimeterX 403) — corroborated by The Real Deal, 2026-08-13 (median $340,000, average "$441,000").

  HAR townhome/condo median, $211,000, -3.7% YoY (dossier C1 addendum). Same access method as bench.house.

  HAR single-family +0.6% YoY (dossier C1 addendum).

• ConfirmadaHUD, FY2026 Fair Market Rents, Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Areaa fecha de 2025-10-01

  HUD FY2026 Fair Market Rent, 2-bedroom, METRO-WIDE for the Houston-The Woodlands-Sugar Land HMFA: $1,573 (1BR is $1,323 — a different bedroom count, not this field). An FMR is the 40th percentile of gross rent across ALL dwelling types surveyed in the area, not an apartment-only average — a genuinely different statistic from the CMHC apartment average this dataset otherwise carries, hence the separate `fmr2br` RentBasis value rather than reusing `apartment2br`. First read this pass as ZIP-only (Small Area FMR); a second pass found HUD does also publish this metro-wide figure directly on its own FMR Documentation System page (dossier C2 addendum) once fetched with a browser-like Referer.

• SupuestoSin fuente publicada

  Not a figure — organisation names only, for /sources attribution.

Abogados, inspectores, empresas de mudanza y aseguradoras cobran por operación, y ninguna autoridad publica un baremo. Cada cifra de aquí es un valor por defecto que elegimos.

• ProbableHarris County Clerk real-property recording fee schedule, via deeds.com secondary aggregationa fecha de 2026

  $25 first page + $4 each additional page, Harris County Clerk. Read via a secondary aggregation of the county's fee schedule; a direct fetch of the Clerk's own page returned an internally inconsistent extraction ($5 vs $25) and should be re-verified before this ships above medium. $35 models a typical 3-4 page deed.

• ProbableTexas Department of Insurance, Texas Homeowners Insurance Market Overviewa fecha de 2025 (preliminary)

  $3,506/year statewide average (dossier B5), fetched directly off TDI's own market-overview page, which does not specify which policy form the figure blends. Not Harris-County-specific — hurricane/flood/hail exposure plausibly runs above the state average, but no county-specific TDI figure was located.

• SupuestoSin fuente publicada

  The title company's settlement/closing fee, the direct Texas analogue of a lawyer's conveyancing fee elsewhere in this dataset — priced within the dossier's $250-800 escrow/settlement fee range (dossier B6), no publisher.

• SupuestoTexas Department of Insurance, Texas Title Insurance Basic Premium Rates, 2026 rate page (effective 2026-03-01)

  $100 is a MODELLING DEFAULT for the simultaneous-issue lender's policy, not a TDI-published figure — the dossier's own B6 row grades "who customarily pays it" at medium and prints no dollar amount for the rate itself; only the OWNER'S full-value policy schedule (TX_TITLE_INSURANCE_BRACKETS, exported separately) is TDI-promulgated and high-confidence. Texas/Harris County custom has the seller pay the owner's policy and the buyer pay only this flat lender's-policy add-on (dossier B3/B6); the amount is disclosed as an estimate pending a primary-source read of TDI's rate manual (the simultaneous-issue rule is commonly cited as a low flat fee, often near $100, but this figure has not been independently verified against the manual's printed rule).

• SupuestoSin fuente publicada

  Home inspection is priced by the inspector and is unregulated in most provinces; no authority publishes a rate. Regional modelling default.

• SupuestoSin fuente publicada

  Appraisal fees are set by the appraiser or the lender's panel; no schedule is published. Regional modelling default.

• SupuestoSin fuente publicada

  No Texas-specific survey-fee figure was located this pass, even at assumption grade (dossier B6: "no primary or reputable-secondary figure was captured with a citation strong enough to record here"). $500 is a modelling default in the same category as every other unpublished closing fee in this dataset — the calculator cannot run without SOME figure here — not a citation.

• SupuestoSin fuente publicada

  Movers price by distance, volume and season; no authority publishes a rate. Regional modelling default.

• SupuestoSin fuente publicada

  Utility connection and account-opening charges are set by each supplier; no single publisher covers them. Regional modelling default.