Property Tax Loan Calculator — Payment, Interest & Total Cost

A property tax loan is a loan used to pay delinquent or current property taxes when the homeowner cannot pay the county bill directly. Lenders pay the tax authority, then the homeowner repays the lender with interest over a set term. These products are common in Texas and other high-property-tax states. Rates and fees vary by lender and county; this calculator models payment math for planning only.

Total cost equals principal plus origination fees plus interest over the loan term. A $8,500 tax bill at 12% APR over 12 months with a 2% origination fee finances $8,670 and may cost roughly $700 to $900 in interest depending on amortization. Compare total paid to the tax bill alone — if you can pay from savings or a lower-rate HELOC, you may save substantially.

Yes. Harris, Dallas, Travis, Collin, and other Texas counties see property tax loan advertising when bills are due or delinquent. Homeowners use them to avoid penalties or foreclosure timelines, but APRs are often higher than mortgage or home equity rates. This calculator helps estimate payments before signing; verify all fees on the lender's disclosure.

Pay from savings, set up an escrow catch-up plan with your mortgage servicer, ask the county about installment agreements, or use a HELOC or personal loan at lower APR if you qualify. Some counties offer penalty-free payment plans for owner-occupants. Compare total cost and lien priority — property tax loans may create a lien on your home.

No. Enter the tax amount you need to finance, including any penalties you already owe if the lender rolls them into the loan. County late fees, attorney costs, and foreclosure timelines are not modeled here. Contact your county tax office for exact delinquency costs before borrowing.