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Arapahoe County FHA Loan Calculator

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

Loan Details

Arapahoe County, CO Benchmarks

FHA averages
Typical Property Value$482,894
Average Down Payment8.4%
Average Interest Rate5.963%
Effective Tax Rate0.55%
Median Tax Paid$2,938/yr
Tax Growth (Historical)+3.0%
Based on 2,998 regional loans totaling $1,291,250,000 (HMDA database).
$
%

$40,563 down · $442,331 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$221 / month

$

Annual premium

$

Per month

%

$188 / month

Estimated Monthly Payment

$3,246/mo

  • Principal & Interest$2,687
  • Property Tax$221
  • Home Insurance$150
  • FHA MIP$188
Amortization · Remaining Balance

Financed Loan Amount

$450,072

Total Interest

$517,192

Total of Payments

$967,264

*Includes financed FHA Upfront MIP of $7,741

Local Market Insights

Arapahoe County FHA Mortgage Overview

For Arapahoe County homebuyers utilizing an FHA loan, the 8.38% weighted average down payment provides accessible entry, but the 91.62% median LTV means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, regardless of equity buildup. This structure is ideal for those with sub-620 credit scores seeking owner-occupied primary residences. The 0.55% effective property tax rate, adjusted upward by 3.0% for inflation, adds roughly $221 monthly to true affordability. When evaluating an FHA loan down payment in Arapahoe County, Colorado, factor in these permanent MIP costs alongside property taxes to gauge your full monthly obligation.

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.