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Desha County FHA Loan Calculator

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

Loan Details

Desha County, AR Benchmarks

FHA averages
Typical Property Value$167,083
Average Down Payment10.1%
Average Interest Rate6.417%
Effective Tax Rate0.59%
Median Tax Paid$493/yr
Tax Growth (Historical)-7.5%
Based on 24 regional loans totaling $3,470,000 (HMDA database).
$
%

$16,875 down · $150,208 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$82 / month

$

Annual premium

$

Per month

%

$64 / month

Estimated Monthly Payment

$1,254/mo

  • Principal & Interest$958
  • Property Tax$82
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$152,836

Total Interest

$192,045

Total of Payments

$344,881

*Includes financed FHA Upfront MIP of $2,629

Local Market Insights

Desha County FHA Mortgage Overview

For Desha County homebuyers, the 10.08% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, given the 89.92% LTV. This makes FHA ideal for those with sub-620 credit. The effective property tax rate of 0.59% is low, and the -7.5% inflation-adjusted tax shift further eases monthly affordability. When evaluating Desha County FHA loan limits and tax impacts, remember MIP is permanent, contrasting with conventional loans where PMI can be canceled. All data reflects owner-occupied purchases.

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.