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Lewis County FHA Loan Calculator

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

Lewis County, ID Benchmarks

FHA averages
Typical Property Value$284,091
Average Down Payment6.5%
Average Interest Rate6.296%
Effective Tax Rate0.55%
$
%

$18,466 down · $265,625 financed

Estimated Monthly Payment

$2,066/mo

  • Principal & Interest$1,673
  • Property Tax$130
  • Home Insurance$150
  • FHA MIP$113
Amortization · Remaining Balance

Financed Loan Amount

$270,274

Total Interest

$331,978

Total of Payments

$602,251

*Includes financed FHA Upfront MIP of $4,648

Local Market Insights

Lewis County FHA Mortgage Overview

In Lewis County, the typical FHA homebuyer is leveraging a 6.55% down payment on a $284,091 property, making entry highly accessible despite the 6.296% interest rate. With a 93.45% loan-to-value ratio, this FHA loan requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, ideal for buyers with sub-620 credit scores. The 0.55% effective property tax rate is moderate, and the recent -3.5% inflation-adjusted tax change slightly lowers monthly costs. When using an FHA loan down payment analysis in Lewis County, Idaho, remember MIP is permanent, but the low entry point combined with stable taxes supports long-term affordability for owner-occupants.

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.