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Dade County FHA Loan Calculator

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

Loan Details

Dade County, MO Benchmarks

FHA averages
Typical Property Value$207,258
Average Down Payment15.7%
Average Interest Rate6.540%
Effective Tax Rate0.57%
Median Tax Paid$1,055/yr
Tax Growth (Historical)+0.1%
Based on 31 regional loans totaling $5,015,000 (HMDA database).
$
%

$32,540 down · $174,718 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$98 / month

$

Annual premium

$

Per month

%

$74 / month

Estimated Monthly Payment

$1,451/mo

  • Principal & Interest$1,128
  • Property Tax$98
  • Home Insurance$150
  • FHA MIP$74
Amortization · Remaining Balance

Financed Loan Amount

$177,776

Total Interest

$228,429

Total of Payments

$406,205

*Includes financed FHA Upfront MIP of $3,058

Local Market Insights

Dade County FHA Mortgage Overview

For Dade County homebuyers, the 15.69% weighted average down payment on an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—a key factor when using an FHA loan calculator with PMI and taxes in Dade County, MO. The 84.31% median loan-to-value ratio confirms this is a low-equity market, ideal for buyers with sub-620 credit scores. With a 0.57% effective property tax rate and a 0.1% inflation-adjusted increase, monthly affordability remains stable. All data reflects primary, owner-occupied purchases, not investments, making this analysis critical for those exploring Dade County FHA loan limits and tax calculator insights.

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.