Blaine County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Blaine County, Montana 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

Blaine County, MT Benchmarks

FHA averages

Typical Property Value$157,000

Average Down Payment29.8%

Average Interest Rate6.038%

Effective Tax Rate0.68%

Home Price

Down Payment

$46,786 down · $110,214 financed

Estimated Monthly Payment

$961/mo

Principal & Interest$675
Property Tax$89
Home Insurance$150
FHA MIP$47

Amortization · Remaining Balance

Financed Loan Amount

$112,143

Total Interest

$130,943

Total of Payments

$243,086

*Includes financed FHA Upfront MIP of $1,929

Local Market Insights

Blaine County FHA Mortgage Overview

Blaine County FHA buyers benefit from a substantial 29.77% down payment, which lowers monthly principal but does not eliminate mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. The 70.23% loan-to-value ratio confirms strong equity. With a 0.68% effective property tax rate and a 6.1% inflation-adjusted increase, monthly affordability is pressured. For precise budgeting with FHA loan limits and property taxes in Blaine County, MT, consult a local lender to assess PMI and tax impacts on your true monthly payment.

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.