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Douglas County FHA Loan Calculator

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

Loan Details

Douglas County, CO Benchmarks

FHA averages
Typical Property Value$647,284
Average Down Payment11.1%
Average Interest Rate5.809%
Effective Tax Rate0.57%
Median Tax Paid$3,947/yr
Tax Growth (Historical)+3.3%
Based on 1,093 regional loans totaling $613,775,000 (HMDA database).
$
%

$71,849 down · $575,435 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$307 / month

$

Annual premium

$

Per month

%

$244 / month

Estimated Monthly Payment

$4,141/mo

  • Principal & Interest$3,439
  • Property Tax$307
  • Home Insurance$150
  • FHA MIP$244
Amortization · Remaining Balance

Financed Loan Amount

$585,506

Total Interest

$652,607

Total of Payments

$1,238,112

*Includes financed FHA Upfront MIP of $10,070

Local Market Insights

Douglas County FHA Mortgage Overview

For Douglas County homebuyers using an FHA loan, the 11.05% average down payment provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity level. The 88.95% loan-to-value ratio confirms minimal initial equity, making this structure ideal for those with sub-620 credit scores. The effective 0.57% property tax rate, adjusted 3.3% for inflation, adds modest but predictable monthly costs. All data reflects 100% primary residences, not investments. When evaluating an FHA loan with PMI and taxes in Douglas County, CO, these figures help assess true monthly affordability against local loan limits.

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.