BSW RelocationHome Affordability Calculator
Moving to Baylor Scott & White in Temple? See exactly how much home your salary buys — with real tax rates, commute times, and neighborhood comparisons.
Updated for 2026 • No state income tax • Real Bell County tax rates
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Ask about physician loan programs — 0-5% down, no PMI on jumbo loans
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BSW Physician Loan Program
Most BSW physicians qualify for physician mortgage loans through Extraco Bank and other local lenders. Key benefits: 0-5% down on loans up to $1.5M, no PMI, student loan-friendly DTI calculations, can close before your start date.
Ask Taylor about physician loan pre-approval → (254) 718-4249Planning Ahead for Residency
Best time to start: 60-90 days before your program start date.
Methodology
Assumptions
- 30-year fixed-rate mortgage
- Conventional PMI: 0.5% annually (if <20% down)
- FHA MIP: 0.55% annually + 1.75% upfront
- VA funding fee: 2.15% (first use, rolled into loan)
- Physician loan: no PMI at any down payment
- Homeowner's insurance: 0.85% of home value annually
- Property tax rates: real 2026 Bell County city rates
- DTI limits: 43% conventional/FHA, 45% physician, 50% VA
- Front-end DTI: 28% conv., 31% FHA, none for VA/physician
- Federal tax estimates are simplified effective rates
- Salary data based on regional BSW compensation estimates
Starting at Baylor Scott & White?
I've helped dozens of BSW physicians, nurses, and staff find the right home in Temple and Belton. From physician loans to the best school districts — I know the BSW relocation process inside and out.