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Holt County FHA Loan Calculator

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

Loan Details

Holt County, MO Benchmarks

FHA averages
Typical Property Value$189,286
Average Down Payment12.9%
Average Interest Rate6.575%
Effective Tax Rate0.79%
Median Tax Paid$967/yr
Tax Growth (Historical)-0.7%
Based on 14 regional loans totaling $2,240,000 (HMDA database).
$
%

$24,418 down · $164,868 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$125 / month

$

Annual premium

$

Per month

%

$70 / month

Estimated Monthly Payment

$1,414/mo

  • Principal & Interest$1,069
  • Property Tax$125
  • Home Insurance$150
  • FHA MIP$70
Amortization · Remaining Balance

Financed Loan Amount

$167,753

Total Interest

$217,143

Total of Payments

$384,896

*Includes financed FHA Upfront MIP of $2,885

Local Market Insights

Holt County FHA Mortgage Overview

For Holt County homebuyers, the 12.91% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of this equity. With an 87.09% loan-to-value ratio and 100% owner-occupied purchases, this data reflects standard homebuyers. The 0.79% effective property tax rate, combined with a -0.7% inflation-adjusted tax change, slightly eases monthly affordability. When using an FHA mortgage tool with property taxes, note that the 6.575% average interest rate and MIP must be factored into true costs. FHA loan limits in Holt County, Missouri, support this $189,285 average property value, making this a stable, low-risk market for first-time buyers.

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.