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Washington County FHA Loan Calculator

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

Washington County, ID Benchmarks

FHA averages
Typical Property Value$333,772
Average Down Payment6.9%
Average Interest Rate6.124%
Effective Tax Rate0.47%
$
%

$23,030 down · $310,742 financed

Estimated Monthly Payment

$2,333/mo

  • Principal & Interest$1,920
  • Property Tax$131
  • Home Insurance$150
  • FHA MIP$132
Amortization · Remaining Balance

Financed Loan Amount

$316,180

Total Interest

$375,063

Total of Payments

$691,243

*Includes financed FHA Upfront MIP of $5,438

Local Market Insights

Washington County FHA Mortgage Overview

Washington County's FHA market is defined by accessible entry, with a 6.92% down payment on a $333,772 average property value. This low equity position, reflected in a 93.08% LTV ratio, mandates Mortgage Insurance Premiums (MIP) for the loan's life, a key factor for those using a Washington County FHA mortgage calculator with property taxes. The effective 0.47% tax rate, with a modest 1.1% inflation-adjusted increase, keeps monthly obligations manageable for primary residences. Buyers exploring FHA loan down payment options in Washington County, Idaho, should note this data confirms the program's suitability for owner-occupants prioritizing low upfront cash over long-term MIP costs.

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.