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Plymouth County FHA Loan Calculator

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

Plymouth County, MA Benchmarks

FHA averages
Typical Property Value$588,252
Average Down Payment12.5%
Average Interest Rate6.259%
Effective Tax Rate1.06%
$
%

$73,532 down · $514,721 financed

Estimated Monthly Payment

$4,116/mo

  • Principal & Interest$3,228
  • Property Tax$520
  • Home Insurance$150
  • FHA MIP$218
Amortization · Remaining Balance

Financed Loan Amount

$523,728

Total Interest

$638,385

Total of Payments

$1,162,113

*Includes financed FHA Upfront MIP of $9,008

Local Market Insights

Plymouth County FHA Mortgage Overview

For Plymouth County homebuyers, the 12.51% average down payment on an FHA loan provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, regardless of equity. The 87.49% loan-to-value ratio confirms this is a standard owner-occupied purchase. The effective property tax rate of 1.06% on a $588,252 average value adds roughly $520 monthly, though the -0.6% inflation-adjusted tax shift offers slight relief. When evaluating an FHA loan down payment in Plymouth County, Massachusetts, remember MIP is permanent, making this ideal for those with sub-620 credit seeking a primary residence.

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.