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Clinton County FHA Loan Calculator

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

Loan Details

Clinton County, MO Benchmarks

FHA averages
Typical Property Value$292,745
Average Down Payment11.0%
Average Interest Rate6.326%
Effective Tax Rate0.72%
Median Tax Paid$1,845/yr
Tax Growth (Historical)+1.8%
Based on 102 regional loans totaling $25,770,000 (HMDA database).
$
%

$32,202 down · $260,543 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$176 / month

$

Annual premium

$

Per month

%

$110 / month

Estimated Monthly Payment

$2,082/mo

  • Principal & Interest$1,646
  • Property Tax$176
  • Home Insurance$150
  • FHA MIP$110
Amortization · Remaining Balance

Financed Loan Amount

$265,103

Total Interest

$327,494

Total of Payments

$592,596

*Includes financed FHA Upfront MIP of $4,560

Local Market Insights

Clinton County FHA Mortgage Overview

In Clinton County, the 10.99% average down payment on FHA loans provides accessible entry, but note that FHA requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity. With a high 89.01% LTV and 100% primary occupancy, this market favors buyers with sub-620 credit. The 0.72% property tax rate, adjusted upward by 1.8% for inflation, directly impacts monthly affordability. For those exploring FHA loan down payment options in Clinton County, Missouri, understanding these MIP and tax dynamics is critical for true cost assessment.

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.