Osceola County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Osceola County, FL Benchmarks

FHA averages

Typical Property Value$389,616

Average Down Payment6.4%

Average Interest Rate5.622%

Effective Tax Rate0.76%

Median Tax Paid$2,700/yr

Tax Growth (Historical)+4.8%

Based on 4,244 regional loans totaling $1,539,340,000 (HMDA database).

Home Price

Down Payment

$24,935 down · $364,681 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

$247 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$155 / month

Estimated Monthly Payment

$2,686/mo

Principal & Interest$2,135
Property Tax$247
Home Insurance$150
FHA MIP$155

Amortization · Remaining Balance

Financed Loan Amount

$371,062

Total Interest

$397,492

Total of Payments

$768,555

*Includes financed FHA Upfront MIP of $6,382

Local Market Insights

Osceola County FHA Mortgage Overview

Osceola County homebuyers using an FHA loan access the market with just a 6.44% down payment on a $389,616 average property, a highly accessible entry point. However, the 93.56% loan-to-value ratio triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, a key consideration when evaluating an FHA loan with PMI and taxes in Osceola County, FL. The 0.76% effective property tax rate, adjusted upward by 4.8% for inflation, adds a tangible monthly cost. This data, reflecting 100% primary residences, indicates an owner-occupied market where the FHA loan down payment calculator in Osceola County, Florida, helps buyers assess true affordability, especially given the permanent MIP obligation.

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.