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El Dorado County FHA Loan Calculator

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

Loan Details

El Dorado County, CA Benchmarks

FHA averages
Typical Property Value$531,366
Average Down Payment10.3%
Average Interest Rate6.093%
Effective Tax Rate0.72%
Median Tax Paid$4,753/yr
Tax Growth (Historical)+2.2%
Based on 478 regional loans totaling $220,480,000 (HMDA database).
$
%

$54,731 down · $476,635 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$319 / month

$

Annual premium

$

Per month

%

$202 / month

Estimated Monthly Payment

$3,607/mo

  • Principal & Interest$2,936
  • Property Tax$319
  • Home Insurance$150
  • FHA MIP$202
Amortization · Remaining Balance

Financed Loan Amount

$484,976

Total Interest

$571,912

Total of Payments

$1,056,888

*Includes financed FHA Upfront MIP of $8,341

Local Market Insights

El Dorado County FHA Mortgage Overview

In El Dorado County, the 10.31% average down payment on FHA loans provides accessible entry for owner-occupants, but the 89.69% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for those with sub-620 credit. The 6.093% rate and 0.72% property tax rate, adjusted upward by 2.2% for inflation, add roughly $320 monthly to affordability. For precise budgeting, an FHA loan analysis with PMI and taxes in El Dorado County, CA, is essential, as is understanding El Dorado County FHA loan limits and tax impacts.

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.