Eagle County FHA Loan Calculator

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

Loan Details

Baseline

Rates

Taxes & Ins.

DTI

US County (Smart Autofill)

Loan Type

Credit Score (FICO)

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

Eagle County, CO Benchmarks

FHA averages

Typical Property Value$902,500

Average Down Payment31.1%

Average Interest Rate6.139%

Effective Tax Rate0.36%

Home Price

Down Payment

$280,678 down · $621,823 financed

Estimated Monthly Payment

$4,535/mo

Principal & Interest$3,851
Property Tax$271
Home Insurance$150
FHA MIP$264

Amortization · Remaining Balance

Financed Loan Amount

$632,704

Total Interest

$753,482

Total of Payments

$1,386,186

*Includes financed FHA Upfront MIP of $10,882

Local Market Insights

Eagle County FHA Mortgage Overview

In Eagle County, the average 31.06% down payment on an FHA loan significantly exceeds the standard 3.5% minimum, reflecting high property values averaging $902,500. Despite this large equity stake, mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life, a key factor for buyers with sub-620 credit seeking an FHA mortgage with property taxes. The 68.94% loan-to-value ratio underscores low lender risk, while the 0.36% effective tax rate and 2.0% inflation-adjusted increase keep monthly costs manageable. For primary residences, this data confirms that an FHA loan down payment analysis in Eagle County, Colorado, must account for permanent MIP alongside tax impacts.

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.