Fresno County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Fresno County, CA Benchmarks

FHA averages

Typical Property Value$404,952

Average Down Payment8.9%

Average Interest Rate6.051%

Effective Tax Rate0.76%

Median Tax Paid$2,861/yr

Tax Growth (Historical)+2.6%

Based on 3,303 regional loans totaling $1,188,725,000 (HMDA database).

Home Price

Down Payment

$36,041 down · $368,911 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$256 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$156 / month

Estimated Monthly Payment

$2,825/mo

Principal & Interest$2,263
Property Tax$256
Home Insurance$150
FHA MIP$156

Amortization · Remaining Balance

Financed Loan Amount

$375,367

Total Interest

$439,168

Total of Payments

$814,535

*Includes financed FHA Upfront MIP of $6,456

Local Market Insights

Fresno County FHA Mortgage Overview

In Fresno County, the typical FHA buyer puts down 8.94% on a $404,952 property. This low entry point, combined with a 91.06% loan-to-value ratio, provides accessible financing for owner-occupants. However, the mandatory Mortgage Insurance Premium (MIP) remains for the loan’s life, a key consideration for those using a Fresno County FHA loan down payment tool. The effective property tax rate of 0.76%, adjusted upward by 2.6% for inflation, adds roughly $257 monthly to true affordability. When evaluating an FHA loan with PMI and taxes in Fresno County, CA, this fixed MIP cost is critical, especially since Fresno County FHA loan limits and tax factors make this structure ideal for buyers with sub-620 credit scores.

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.