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Bent County FHA Loan Calculator

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

Loan Details

Bent County, CO Benchmarks

FHA averages
Typical Property Value$171,667
Average Down Payment6.8%
Average Interest Rate6.322%
Effective Tax Rate0.41%
Median Tax Paid$517/yr
Tax Growth (Historical)-5.7%
Based on 18 regional loans totaling $2,750,000 (HMDA database).
$
%

$11,673 down · $159,994 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$59 / month

$

Annual premium

$

Per month

%

$68 / month

Estimated Monthly Payment

$1,286/mo

  • Principal & Interest$1,010
  • Property Tax$59
  • Home Insurance$150
  • FHA MIP$68
Amortization · Remaining Balance

Financed Loan Amount

$162,794

Total Interest

$200,724

Total of Payments

$363,518

*Includes financed FHA Upfront MIP of $2,800

Local Market Insights

Bent County FHA Mortgage Overview

For Bent County homebuyers, the 6.75% down payment with an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) is required for the life of the loan regardless of this low equity stake. The 93.25% Loan-to-Value ratio confirms a high-leverage purchase, ideal for those with sub-620 credit scores seeking owner-occupied primary residences. The effective property tax rate of 0.41% is low, and the -5.7% inflation-adjusted tax change reduces monthly costs, improving affordability when using a Bent County FHA mortgage analysis with property taxes. This combination of low down payment and declining tax burden makes the FHA loan limits and tax environment favorable for first-time buyers.

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.