Joel’s Colony Guide · Payment planner

What monthly payment feels comfortable for you?

A home should fit the way you want to live—and the payment you feel good about. Start with your comfort zone, then explore the numbers together.

This is my personal planning tool for The Colony, not a Drees Custom Homes or lender calculator. You enter every number.

Start with your monthly comfort zone

Comfortable total monthly housing payment ($)

Your budget is a starting point, not a qualification or approval.

Make the numbers yours

Choose a home below or enter a price.

Home price ($)Down payment — your choiceDown payment entered as — your choiceAnnual interest rate (%) — from your lenderLoan term — your choiceHomeowners insurance ($/month) — your estimate; replace with your quote

More options

Annual property tax rate (%)HOA ($/month)Mortgage insurance ($/month) — enter lender estimateOther monthly costs ($)

Tax and HOA defaults: Drees Colony Community Information Sheet, Sept 2026; subject to change. Approximately 2.74% before homestead exemption; $88.26/month HOA for the 45′ and 50′ Drees sections (New Colony Association). All amounts are editable.

No interest rate is filled in for you. Enter the rate your lender quoted to see an estimate. Down payment and term are your choice. The $200 insurance figure is a planning placeholder; replace it with your own quote. Mortgage insurance starts at $0 and may be required; enter your lender’s estimate. Maintenance, utilities, closing costs and any unentered costs are excluded. Amounts are rounded to the nearest dollar.

Estimated monthly housing cost

Enter the rate your lender quoted

Estimates only, based on the numbers you enter. Not a loan offer, rate quote, preapproval or commitment to lend. Talk to a licensed mortgage lender for actual rates, terms and eligibility.

Homes that may fit your payment

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Compare your options

Save up to three scenarios. Change the down payment, rate or term above, then save another to see the difference. Each scenario uses only the numbers you entered.

How a rate buydown works — education only

A permanent rate buydown means paying an upfront cost, usually at closing, in exchange for a lower interest rate for the life of the loan. Whether it makes sense depends on how long you keep the loan. Only a lender can tell you the actual rate and cost. This is not a Drees offer.

Want me to help you explore the numbers?

You don’t need to have it all figured out. Share your question and I’ll help you decide what to confirm with a lender.

Call or text Joel: 512-693-1701 · Text Joel