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Jefferson County FHA Loan Calculator

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

Loan Details

Jefferson County, CO Benchmarks

FHA averages
Typical Property Value$556,301
Average Down Payment13.6%
Average Interest Rate5.976%
Effective Tax Rate0.53%
Median Tax Paid$3,082/yr
Tax Growth (Historical)+4.3%
Based on 1,355 regional loans totaling $619,895,000 (HMDA database).
$
%

$75,657 down · $480,644 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$246 / month

$

Annual premium

$

Per month

%

$204 / month

Estimated Monthly Payment

$3,525/mo

  • Principal & Interest$2,926
  • Property Tax$246
  • Home Insurance$150
  • FHA MIP$204
Amortization · Remaining Balance

Financed Loan Amount

$489,055

Total Interest

$564,250

Total of Payments

$1,053,305

*Includes financed FHA Upfront MIP of $8,411

Local Market Insights

Jefferson County FHA Mortgage Overview

Jefferson County’s FHA market shows an average down payment of 13.58%, well above the 3.5% minimum, indicating buyers are investing more upfront to lower their monthly burden. However, due to the 86.42% LTV, mandatory MIP remains for the loan’s life—ideal for those with sub-620 credit seeking entry. The 0.53% property tax rate and recent 4.3% inflation-adjusted increase add roughly $30 monthly on a $556,300 home, impacting true affordability. For accurate projections, explore FHA loan limits with PMI and taxes in Jefferson County, CO, or an FHA down payment analysis in Jefferson County, Colorado. This data reflects owner-occupied purchases only.

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.