Mariposa County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Mariposa County, CA Benchmarks

FHA averages

Typical Property Value$373,283

Average Down Payment11.5%

Average Interest Rate6.282%

Effective Tax Rate0.58%

Median Tax Paid$2,377/yr

Tax Growth (Historical)-5.4%

Based on 99 regional loans totaling $31,645,000 (HMDA database).

Home Price

Down Payment

$42,928 down · $330,355 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

$180 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$140 / month

Estimated Monthly Payment

$2,547/mo

Principal & Interest$2,076
Property Tax$180
Home Insurance$150
FHA MIP$140

Amortization · Remaining Balance

Financed Loan Amount

$336,137

Total Interest

$411,300

Total of Payments

$747,437

*Includes financed FHA Upfront MIP of $5,781

Local Market Insights

Mariposa County FHA Mortgage Overview

For Mariposa County homebuyers using an FHA loan, the 11.47% average down payment reflects accessible entry, but note that FHA’s mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life—even with this equity stake. The 88.53% loan-to-value ratio confirms this is a low-down-payment market, ideal for those with sub-620 credit. The effective property tax rate of 0.58% is modest, and the recent -5.4% inflation-adjusted tax change provides slight relief. With 100% primary occupancy, these are owner-occupied homes, not investments. When evaluating an FHA loan with PMI and taxes in Mariposa County, CA, the low tax burden partially offsets the permanent MIP cost, keeping monthly obligations manageable.

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.