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Dade County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Dade County, GA Benchmarks

FHA averages
Typical Property Value$278,014
Average Down Payment12.7%
Average Interest Rate6.445%
Effective Tax Rate0.56%
$
%

$35,308 down · $242,706 financed

Estimated Monthly Payment

$1,935/mo

  • Principal & Interest$1,553
  • Property Tax$130
  • Home Insurance$150
  • FHA MIP$103
Amortization · Remaining Balance

Financed Loan Amount

$246,954

Total Interest

$312,056

Total of Payments

$559,009

*Includes financed FHA Upfront MIP of $4,247

Local Market Insights

Dade County FHA Mortgage Overview

In Dade County, the typical FHA buyer puts down 12.69%, which is above the minimum 3.5% but still keeps homeownership accessible. However, because the median loan-to-value ratio stands at 87.31%, mandatory Mortgage Insurance Premiums (MIP) remain for the life of the loan—a key factor when using an FHA loan calculator with PMI and taxes in Dade County, GA. The effective property tax rate of 0.56% is low, but the recent 5.8% inflation-adjusted tax increase raises true monthly costs. With a 100% primary occupancy rate, this data reflects standard homebuyers, not investors.

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.