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Gunnison County FHA Loan Calculator

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

Gunnison County, CO Benchmarks

FHA averages
Typical Property Value$536,923
Average Down Payment16.3%
Average Interest Rate6.311%
Effective Tax Rate0.31%
$
%

$87,518 down · $449,405 financed

Estimated Monthly Payment

$3,313/mo

  • Principal & Interest$2,833
  • Property Tax$139
  • Home Insurance$150
  • FHA MIP$191
Amortization · Remaining Balance

Financed Loan Amount

$457,269

Total Interest

$562,738

Total of Payments

$1,020,007

*Includes financed FHA Upfront MIP of $7,865

Local Market Insights

Gunnison County FHA Mortgage Overview

In Gunnison County, the 16.30% weighted average down payment on an FHA loan provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. With an 83.70% loan-to-value ratio, this data reflects 100% primary residence buyers, not investors. The 0.31% effective property tax rate is low, yet a 3.6% inflation-adjusted tax change will modestly increase monthly costs. For those exploring FHA loan down payment options with property taxes in Gunnison County, CO, this market favors buyers with sub-620 credit scores seeking stable owner-occupied financing despite permanent MIP.

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.