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Clear Creek County FHA Loan Calculator

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

Loan Details

Clear Creek County, CO Benchmarks

FHA averages
Typical Property Value$527,500
Average Down Payment18.7%
Average Interest Rate6.016%
Effective Tax Rate0.40%
Median Tax Paid$2,350/yr
Tax Growth (Historical)+5.5%
Based on 32 regional loans totaling $12,410,000 (HMDA database).
$
%

$98,643 down · $428,858 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$176 / month

$

Annual premium

$

Per month

%

$182 / month

Estimated Monthly Payment

$3,129/mo

  • Principal & Interest$2,622
  • Property Tax$176
  • Home Insurance$150
  • FHA MIP$182
Amortization · Remaining Balance

Financed Loan Amount

$436,363

Total Interest

$507,495

Total of Payments

$943,858

*Includes financed FHA Upfront MIP of $7,505

Local Market Insights

Clear Creek County FHA Mortgage Overview

Clear Creek County’s FHA buyers are putting 18.71% down—well above the typical 3.5% minimum—yet must still carry mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. With an 81.29% loan-to-value ratio, this market prioritizes low credit-score accessibility over PMI avoidance. The effective property tax rate of 0.40% is modest, but the recent 5.5% inflation-adjusted tax increase adds roughly $29 monthly on a $527,500 home, directly impacting affordability. For those using an FHA loan down payment tool in Clear Creek County, Colorado, remember that MIP and these shifting property taxes are permanent costs for owner-occupied buyers. An FHA mortgage tool with property taxes should factor in this rising tax burden for true monthly projections.

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.