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Colusa County FHA Loan Calculator

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

Loan Details

Colusa County, CA Benchmarks

FHA averages
Typical Property Value$425,222
Average Down Payment11.6%
Average Interest Rate6.320%
Effective Tax Rate0.67%
Median Tax Paid$2,426/yr
Tax Growth (Historical)-5.1%
Based on 45 regional loans totaling $16,405,000 (HMDA database).
$
%

$49,326 down · $375,896 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$237 / month

$

Annual premium

$

Per month

%

$159 / month

Estimated Monthly Payment

$2,919/mo

  • Principal & Interest$2,372
  • Property Tax$237
  • Home Insurance$150
  • FHA MIP$159
Amortization · Remaining Balance

Financed Loan Amount

$382,474

Total Interest

$471,590

Total of Payments

$854,064

*Includes financed FHA Upfront MIP of $6,578

Local Market Insights

Colusa County FHA Mortgage Overview

For Colusa County homebuyers using an FHA loan, the 11.59% average down payment provides accessible entry, but note that the 6.32% interest rate and mandatory MIP (required for the loan's life, regardless of this down payment) create a fixed cost. The 88.41% LTV ratio, combined with 100% primary occupancy, indicates a stable owner-occupied market ideal for those with sub-620 credit. Property taxes at 0.67% are moderate, and the recent -5.1% inflation-adjusted tax change slightly lowers monthly affordability. When evaluating a Colusa County FHA mortgage with property taxes, factor in that MIP persists, making this best for buyers prioritizing low upfront cash over long-term cost. The average property value of $425,222 aligns with local FHA loan limits, supporting accessible homeownership despite the higher debt burden.

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.