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Calcasieu Parish FHA Loan Calculator

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

Calcasieu Parish, LA Benchmarks

FHA averages
Typical Property Value$226,536
Average Down Payment6.5%
Average Interest Rate6.231%
Effective Tax Rate0.47%
$
%

$14,725 down · $211,811 financed

Estimated Monthly Payment

$1,653/mo

  • Principal & Interest$1,324
  • Property Tax$89
  • Home Insurance$150
  • FHA MIP$90
Amortization · Remaining Balance

Financed Loan Amount

$215,518

Total Interest

$261,186

Total of Payments

$476,704

*Includes financed FHA Upfront MIP of $3,707

Local Market Insights

Calcasieu Parish FHA Mortgage Overview

In Calcasieu Parish, the FHA loan’s 6.55% down payment and 93.45% LTV ratio signal accessible entry for owner-occupants, but mandatory MIP applies for the loan’s life—ideal for sub-620 credit buyers. The 0.47% property tax rate, with a 1.4% inflation-adjusted shift, keeps monthly costs manageable. Borrowers using an FHA mortgage tool with property taxes should factor in these fixed MIP payments alongside the average 6.231% rate and $226,536 property value for true 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.