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Dooly County FHA Loan Calculator

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

Loan Details

Dooly County, GA Benchmarks

FHA averages
Typical Property Value$208,871
Average Down Payment11.7%
Average Interest Rate6.449%
Effective Tax Rate0.95%
Median Tax Paid$1,368/yr
Tax Growth (Historical)+10.8%
Based on 31 regional loans totaling $5,485,000 (HMDA database).
$
%

$24,438 down · $184,433 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$165 / month

$

Annual premium

$

Per month

%

$78 / month

Estimated Monthly Payment

$1,574/mo

  • Principal & Interest$1,180
  • Property Tax$165
  • Home Insurance$150
  • FHA MIP$78
Amortization · Remaining Balance

Financed Loan Amount

$187,661

Total Interest

$237,132

Total of Payments

$424,792

*Includes financed FHA Upfront MIP of $3,228

Local Market Insights

Dooly County FHA Mortgage Overview

In Dooly County, the typical FHA homebuyer puts 11.71% down on a $208,871 property, with an 88.29% loan-to-value ratio. While this down payment exceeds the 3.5% minimum, mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s lifetime, making this ideal for buyers with sub-620 credit scores seeking accessible entry. The 0.95% effective tax rate, combined with a recent 10.8% inflation-adjusted increase, adds roughly $180 monthly to true affordability. For precise FHA loan planning with PMI and taxes in Dooly County, GA, note that these 100% owner-occupied purchases face higher long-term costs than conventional loans.

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.