Mortgage Data Labs

Programmatic SEO Local County Calculator

Calculator>Colorado>Denver County (FHA)

Denver County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Denver County, Colorado 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

Denver County, CO Benchmarks

FHA averages
Typical Property Value$475,657
Average Down Payment10.8%
Average Interest Rate6.163%
Effective Tax Rate0.47%
$
%

$51,371 down · $424,286 financed

Estimated Monthly Payment

$3,149/mo

  • Principal & Interest$2,633
  • Property Tax$186
  • Home Insurance$150
  • FHA MIP$180
Amortization · Remaining Balance

Financed Loan Amount

$431,711

Total Interest

$516,133

Total of Payments

$947,844

*Includes financed FHA Upfront MIP of $7,425

Local Market Insights

Denver County FHA Mortgage Overview

Denver County homebuyers using FHA loans are entering the market with a 10.77% down payment on an average property value of $475,657. This low barrier to entry is attractive, but it’s critical to understand that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 89.23% Loan-to-Value ratio. The effective property tax rate of 0.47% is moderate, yet the recent 2.8% inflation-adjusted tax increase will modestly raise monthly costs. For those seeking an FHA loan with PMI and taxes in Denver County, CO, this data confirms a primary residence market where sub-620 credit scores are accommodated, but long-term MIP is unavoidable.

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.