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Caldwell County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Caldwell County, Missouri based on real HMDA transaction records.

Loan Details

Caldwell County, MO Benchmarks

FHA averages
Typical Property Value$226,282
Average Down Payment8.9%
Average Interest Rate6.463%
Effective Tax Rate0.64%
Median Tax Paid$1,338/yr
Tax Growth (Historical)+5.5%
Based on 39 regional loans totaling $7,985,000 (HMDA database).
$
%

$20,139 down · $206,143 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$121 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,678/mo

  • Principal & Interest$1,320
  • Property Tax$121
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$209,750

Total Interest

$265,540

Total of Payments

$475,291

*Includes financed FHA Upfront MIP of $3,608

Local Market Insights

Caldwell County FHA Mortgage Overview

For Caldwell County homebuyers, the 8.86% average down payment on an FHA loan provides accessible entry, though the mandatory Mortgage Insurance Premium (MIP) is required for the loan’s life—a key factor when using an FHA mortgage calculator with property taxes. The 91.14% loan-to-value ratio confirms this is a low-equity purchase for primary residences, ideal for those with sub-620 credit. However, the 0.64% effective tax rate has risen 5.5% after inflation, increasing true monthly costs. When evaluating an FHA loan down payment in Caldwell County, MO, remember MIP cannot be removed, unlike conventional loans.

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.