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Haines Borough FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Haines Borough, Alaska based on real HMDA transaction records.

Loan Details

Haines Borough, AK Benchmarks

FHA averages
Typical Property Value$450,000
Average Down Payment3.6%
Average Interest Rate6.875%
Effective Tax Rate0.69%
Median Tax Paid$2,445/yr
Tax Growth (Historical)-7.3%
Based on 2 regional loans totaling $880,000 (HMDA database).
$
%

$16,200 down · $433,800 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$259 / month

$

Annual premium

$

Per month

%

$202 / month

Estimated Monthly Payment

$3,512/mo

  • Principal & Interest$2,901
  • Property Tax$259
  • Home Insurance$150
  • FHA MIP$202
Amortization · Remaining Balance

Financed Loan Amount

$441,392

Total Interest

$603,005

Total of Payments

$1,044,397

*Includes financed FHA Upfront MIP of $7,592

Local Market Insights

Haines Borough FHA Mortgage Overview

In Haines Borough, the weighted average 3.56% down payment on FHA loans provides highly accessible entry for owner-occupants, but this low equity means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s entire life—ideal for buyers with sub-620 credit scores. With a median Loan-to-Value (LTV) of 96.44%, the risk profile is elevated, yet the 0.69% effective property tax rate and a recent -7.3% inflation-adjusted tax shift improve true monthly affordability. For those using an FHA loan calculator with PMI and taxes in Haines Borough, AK, this data underscores that lower upfront costs are offset by permanent MIP, while the declining tax burden helps stabilize long-term payments.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.