Mesa County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Mesa County, CO Benchmarks

FHA averages

Typical Property Value$368,209

Average Down Payment9.9%

Average Interest Rate6.343%

Effective Tax Rate0.38%

Median Tax Paid$1,439/yr

Tax Growth (Historical)+2.9%

Based on 829 regional loans totaling $262,965,000 (HMDA database).

Home Price

Down Payment

$36,453 down · $331,756 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$117 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$141 / month

Estimated Monthly Payment

$2,505/mo

Principal & Interest$2,098
Property Tax$117
Home Insurance$150
FHA MIP$141

Amortization · Remaining Balance

Financed Loan Amount

$337,562

Total Interest

$417,800

Total of Payments

$755,362

*Includes financed FHA Upfront MIP of $5,806

Local Market Insights

Mesa County FHA Mortgage Overview

Mesa County homebuyers using an FHA loan with a 9.94% down payment benefit from accessible entry, but the 90.06% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life—ideal for those with sub-620 credit. The effective 0.38% property tax rate, adjusted upward by 2.9% for inflation, adds modest monthly costs. For accurate budgeting, consider an FHA loan calculator with PMI and taxes in Mesa County, CO, or a Mesa County FHA mortgage calculator with property taxes to assess true affordability. This data reflects 100% primary residences, not investments.

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.