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Seminole County FHA Loan Calculator

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

Loan Details

Seminole County, GA Benchmarks

FHA averages
Typical Property Value$197,941
Average Down Payment13.4%
Average Interest Rate6.312%
Effective Tax Rate0.99%
Median Tax Paid$1,486/yr
Tax Growth (Historical)+5.9%
Based on 17 regional loans totaling $2,665,000 (HMDA database).
$
%

$26,524 down · $171,417 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$163 / month

$

Annual premium

$

Per month

%

$73 / month

Estimated Monthly Payment

$1,467/mo

  • Principal & Interest$1,081
  • Property Tax$163
  • Home Insurance$150
  • FHA MIP$73
Amortization · Remaining Balance

Financed Loan Amount

$174,417

Total Interest

$214,646

Total of Payments

$389,062

*Includes financed FHA Upfront MIP of $3,000

Local Market Insights

Seminole County FHA Mortgage Overview

For Seminole County homebuyers using an FHA loan, the 13.40% weighted average down payment offers accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan regardless of equity, a critical factor when evaluating an FHA loan with PMI and taxes. With an 86.60% loan-to-value ratio and 100% owner-occupancy, this data reflects standard buyers, not investors. The 0.99% effective property tax rate, adjusted upward by 5.9% for inflation, directly impacts monthly affordability. Understanding Seminole County FHA loan limits and tax impacts is essential, as the lower down payment reduces upfront costs but the permanent MIP adds a fixed monthly expense.

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.