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Sacramento County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Sacramento County, CA Benchmarks

FHA averages
Typical Property Value$513,860
Average Down Payment9.3%
Average Interest Rate6.017%
Effective Tax Rate0.76%
$
%

$47,789 down · $466,071 financed

Estimated Monthly Payment

$3,522/mo

  • Principal & Interest$2,849
  • Property Tax$325
  • Home Insurance$150
  • FHA MIP$198
Amortization · Remaining Balance

Financed Loan Amount

$474,227

Total Interest

$551,533

Total of Payments

$1,025,760

*Includes financed FHA Upfront MIP of $8,156

Local Market Insights

Sacramento County FHA Mortgage Overview

For Sacramento County homebuyers, an FHA loan with a 9.25% down payment on a $513,860 property offers accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal if credit is below 620. The 90.75% loan-to-value ratio confirms this. The 0.76% property tax rate, with a 0.9% inflation-adjusted increase, adds about $326 monthly to true affordability. This FHA option, focused on primary residences, balances lower upfront costs against permanent MIP, distinct from conventional loans where building 20% equity cancels PMI.

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.