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Nassau County FHA Loan Calculator

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

Loan Details

Nassau County, FL Benchmarks

FHA averages
Typical Property Value$377,343
Average Down Payment11.2%
Average Interest Rate6.097%
Effective Tax Rate0.73%
Median Tax Paid$2,699/yr
Tax Growth (Historical)+2.4%
Based on 478 regional loans totaling $155,970,000 (HMDA database).
$
%

$42,262 down · $335,081 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$230 / month

$

Annual premium

$

Per month

%

$142 / month

Estimated Monthly Payment

$2,588/mo

  • Principal & Interest$2,066
  • Property Tax$230
  • Home Insurance$150
  • FHA MIP$142
Amortization · Remaining Balance

Financed Loan Amount

$340,944

Total Interest

$402,854

Total of Payments

$743,798

*Includes financed FHA Upfront MIP of $5,864

Local Market Insights

Nassau County FHA Mortgage Overview

In Nassau County, the 11.21% 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 88.79% loan-to-value ratio and 100% owner-occupancy, this data reflects standard homebuyers. For those exploring an FHA loan with PMI and taxes in Nassau County, FL, the effective 0.73% property tax rate, adjusted by 2.4% for inflation, increases true monthly affordability. This makes the Nassau County FHA loan limits and tax environment critical for budgeting, particularly for buyers with sub-620 credit scores seeking lower upfront costs.

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.