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Yakutat City and Borough FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Yakutat City and Borough, AK Benchmarks

FHA averages
Typical Property Value$280,000
Average Down Payment3.5%
Average Interest Rate5.688%
Effective Tax Rate0.35%
$
%

$9,800 down · $270,200 financed

Estimated Monthly Payment

$1,952/mo

  • Principal & Interest$1,594
  • Property Tax$82
  • Home Insurance$150
  • FHA MIP$126
Amortization · Remaining Balance

Financed Loan Amount

$274,929

Total Interest

$298,891

Total of Payments

$573,820

*Includes financed FHA Upfront MIP of $4,729

Local Market Insights

Yakutat City and Borough FHA Mortgage Overview

In Yakutat City and Borough, the 3.50% FHA down payment on a $280,000 property offers accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the 96.50% LTV ratio. The 0.35% effective property tax rate, with a 0.7% inflation-adjusted increase, keeps monthly costs modest. For those evaluating an FHA loan down payment with property taxes in Yakutat City and Borough, this low-tax environment combined with FHA’s lenient credit requirements (ideal for sub-620 scores) makes it a stable, owner-occupied market.

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.