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Avoyelles Parish FHA Loan Calculator

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

Avoyelles Parish, LA Benchmarks

FHA averages
Typical Property Value$195,579
Average Down Payment8.6%
Average Interest Rate6.432%
Effective Tax Rate0.22%
$
%

$16,820 down · $178,759 financed

Estimated Monthly Payment

$1,403/mo

  • Principal & Interest$1,141
  • Property Tax$36
  • Home Insurance$150
  • FHA MIP$76
Amortization · Remaining Balance

Financed Loan Amount

$181,887

Total Interest

$228,978

Total of Payments

$410,865

*Includes financed FHA Upfront MIP of $3,128

Local Market Insights

Avoyelles Parish FHA Mortgage Overview

In Avoyelles Parish, FHA buyers leverage an 8.64% down payment on a $195,579 average property, making homeownership accessible despite the 6.432% rate. However, with a 91.36% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) remain for the loan's life—ideal for sub-620 credit scores. The 0.22% effective property tax rate, adjusted down -1.0% for inflation, keeps monthly costs low. This data reflects 100% primary residences, not investments, underscoring a stable local market for those using an FHA loan with PMI and taxes in Avoyelles Parish, Louisiana.

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.