Worth County FHA Loan Calculator

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

Loan Details

Baseline

Rates

Taxes & Ins.

DTI

US County (Smart Autofill)

Loan Type

Credit Score (FICO)

Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Worth County, MO Benchmarks

FHA averages

Typical Property Value$115,000

Average Down Payment13.0%

Average Interest Rate7.000%

Effective Tax Rate0.88%

Home Price

Down Payment

$14,950 down · $100,050 financed

Estimated Monthly Payment

$954/mo

Principal & Interest$677
Property Tax$84
Home Insurance$150
FHA MIP$42

Amortization · Remaining Balance

Financed Loan Amount

$101,801

Total Interest

$142,021

Total of Payments

$243,822

*Includes financed FHA Upfront MIP of $1,751

Local Market Insights

Worth County FHA Mortgage Overview

In Worth County, the 12.99% average down payment on FHA loans provides accessible entry despite the 7.000% rate. However, with a 87.01% LTV, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, making this ideal for buyers with sub-620 credit. The 0.88% property tax rate, adjusted 1.0% for inflation, adds true monthly cost. For those evaluating an FHA loan with PMI and taxes in Worth County, MO, or considering an FHA loan down payment in Worth County, Missouri, the $115,000 average value keeps limits manageable. This data reflects 100% owner-occupied purchases, not investments.

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.