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Orange County FHA Loan Calculator

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

Loan Details

Orange County, FL Benchmarks

FHA averages
Typical Property Value$392,573
Average Down Payment9.4%
Average Interest Rate5.976%
Effective Tax Rate0.82%
Median Tax Paid$2,967/yr
Tax Growth (Historical)+3.0%
Based on 4,954 regional loans totaling $1,714,380,000 (HMDA database).
$
%

$36,902 down · $355,671 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$268 / month

$

Annual premium

$

Per month

%

$151 / month

Estimated Monthly Payment

$2,734/mo

  • Principal & Interest$2,165
  • Property Tax$268
  • Home Insurance$150
  • FHA MIP$151
Amortization · Remaining Balance

Financed Loan Amount

$361,895

Total Interest

$417,539

Total of Payments

$779,434

*Includes financed FHA Upfront MIP of $6,224

Local Market Insights

Orange County FHA Mortgage Overview

For Orange County homebuyers, the 9.38% average FHA down payment provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 90.62% loan-to-value ratio. This data, reflecting 100% owner-occupied purchases, suits those with sub-620 credit scores. The effective 0.82% property tax rate, adjusted upward by 3.0% for inflation, adds a fixed monthly cost. When evaluating an FHA loan with PMI and taxes in Orange County, FL, the weighted interest rate of 5.976% on a $392,572 average property means true affordability hinges on these recurring expenses, not just the down payment.

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.