Dent County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Dent County, MO Benchmarks

FHA averages

Typical Property Value$189,500

Average Down Payment9.0%

Average Interest Rate6.467%

Effective Tax Rate0.35%

Median Tax Paid$878/yr

Tax Growth (Historical)+1.0%

Based on 40 regional loans totaling $6,800,000 (HMDA database).

Home Price

Down Payment

$17,055 down · $172,445 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$55 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$73 / month

Estimated Monthly Payment

$1,384/mo

Principal & Interest$1,106
Property Tax$55
Home Insurance$150
FHA MIP$73

Amortization · Remaining Balance

Financed Loan Amount

$175,463

Total Interest

$222,548

Total of Payments

$398,010

*Includes financed FHA Upfront MIP of $3,018

Local Market Insights

Dent County FHA Mortgage Overview

For Dent County homebuyers, the 8.99% average down payment on FHA loans (with a 91.01% LTV ratio) provides accessible entry, but note that MIP is required for the life of the loan—ideal for those with sub-620 credit. The effective 0.35% property tax rate, adjusted 1.0% for inflation, keeps monthly costs low. When using a Dent County FHA loan calculator with PMI and taxes, this low tax burden offsets the permanent MIP, enhancing true affordability for owner-occupied, primary residences.

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.