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Alameda County FHA Loan Calculator

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

Loan Details

Alameda County, CA Benchmarks

FHA averages
Typical Property Value$795,522
Average Down Payment12.2%
Average Interest Rate6.115%
Effective Tax Rate0.76%
Median Tax Paid$8,474/yr
Tax Growth (Historical)+2.0%
Based on 805 regional loans totaling $527,575,000 (HMDA database).
$
%

$97,054 down · $698,468 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$504 / month

$

Annual premium

$

Per month

%

$296 / month

Estimated Monthly Payment

$5,266/mo

  • Principal & Interest$4,316
  • Property Tax$504
  • Home Insurance$150
  • FHA MIP$296
Amortization · Remaining Balance

Financed Loan Amount

$710,692

Total Interest

$843,046

Total of Payments

$1,553,738

*Includes financed FHA Upfront MIP of $12,223

Local Market Insights

Alameda County FHA Mortgage Overview

For Alameda County homebuyers using an FHA loan, the 12.16% average down payment and 87.84% Loan-to-Value (LTV) ratio provide accessible entry, but require mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—ideal for those with sub-620 credit scores. The 0.76% effective property tax rate, adjusted upward by 2.0% for inflation, adds a predictable monthly cost to your FHA loan with PMI and taxes in Alameda County, CA. Since all loans here are for primary residences, this data reflects owner-occupants, not investors.

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.