Mortgage Data Labs

Programmatic SEO Local County Calculator

Calculator>Georgia>Dawson County (FHA)

Dawson County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Dawson 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

Dawson County, GA Benchmarks

FHA averages
Typical Property Value$428,088
Average Down Payment9.0%
Average Interest Rate5.912%
Effective Tax Rate0.61%
$
%

$38,528 down · $389,560 financed

Estimated Monthly Payment

$2,886/mo

  • Principal & Interest$2,354
  • Property Tax$218
  • Home Insurance$150
  • FHA MIP$165
Amortization · Remaining Balance

Financed Loan Amount

$396,377

Total Interest

$450,917

Total of Payments

$847,295

*Includes financed FHA Upfront MIP of $6,817

Local Market Insights

Dawson County FHA Mortgage Overview

In Dawson County, an FHA loan with a 9.00% down payment and a 91.00% Loan-to-Value (LTV) ratio provides accessible entry for owner-occupants, though mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life, regardless of equity. The 5.912% interest rate on a $428,088 average property is manageable, but the effective tax rate of 0.61% and a recent 6.0% inflation-adjusted tax increase raise monthly costs. When evaluating Dawson County FHA mortgage options with property taxes, the low down payment offsets the permanent MIP, making this ideal for buyers with sub-620 credit seeking primary residence financing.

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.