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Golden Valley County FHA Loan Calculator

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

Loan Details
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

Golden Valley County, MT Benchmarks

FHA averages
Typical Property Value$325,000
Average Down Payment3.5%
Average Interest Rate7.250%
Effective Tax Rate0.36%
$
%

$11,375 down · $313,625 financed

Estimated Monthly Payment

$2,571/mo

  • Principal & Interest$2,177
  • Property Tax$98
  • Home Insurance$150
  • FHA MIP$146
Amortization · Remaining Balance

Financed Loan Amount

$319,113

Total Interest

$464,576

Total of Payments

$783,690

*Includes financed FHA Upfront MIP of $5,488

Local Market Insights

Golden Valley County FHA Mortgage Overview

In Golden Valley County, FHA loans with a 3.50% down payment provide accessible entry, but the 96.50% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for buyers with sub-620 credit scores. This owner-occupied market sees an average property value of $325,000 at a 7.250% interest rate. The effective property tax rate of 0.36% is low, but the recent 5.8% inflation-adjusted tax shift will modestly increase monthly costs. When evaluating an FHA loan with PMI and taxes in Golden Valley County, MT, or assessing Golden Valley County FHA loan limits and tax impacts, this combination offers affordability but requires accounting for permanent MIP.

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.