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Bremer County FHA Loan Calculator

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

Loan Details

Bremer County, IA Benchmarks

FHA averages
Typical Property Value$203,500
Average Down Payment12.1%
Average Interest Rate6.346%
Effective Tax Rate1.23%
Median Tax Paid$2,824/yr
Tax Growth (Historical)-2.0%
Based on 20 regional loans totaling $3,460,000 (HMDA database).
$
%

$24,624 down · $178,877 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$209 / month

$

Annual premium

$

Per month

%

$76 / month

Estimated Monthly Payment

$1,567/mo

  • Principal & Interest$1,133
  • Property Tax$209
  • Home Insurance$150
  • FHA MIP$76
Amortization · Remaining Balance

Financed Loan Amount

$182,007

Total Interest

$225,697

Total of Payments

$407,704

*Includes financed FHA Upfront MIP of $3,130

Local Market Insights

Bremer County FHA Mortgage Overview

In Bremer County, the typical FHA borrower puts 12.14% down on a $203,500 home, well above the 3.5% minimum. This lower equity position, combined with an 87.86% LTV, means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s full term—an important factor for those using a Bremer County FHA mortgage calculator with property taxes. The effective tax rate of 1.23% is slightly elevated, but the recent -2.0% inflation-adjusted tax change provides modest relief. For buyers exploring FHA loan down payment options in Bremer County, Iowa, this data confirms that while the barrier to entry is accessible, the ongoing MIP and property tax burden should be factored into monthly affordability.

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.