Important! Affect's house payment. Texas has no income tax. Schools are funded by real estate taxes. They vary by school district & city. Expect at least $2.50/$100 of value. On $100,000, that's $2500/year ($208/mo).

This affects lender qualifying ratios. The valuation used at closing on a pre-owned home will be the most recent tax valuation (usually below sales price). Be sure to pre-qualify with a lender before looking.

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