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Prairie County FHA Loan Calculator

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

Prairie County, MT Benchmarks

FHA averages
Typical Property Value$158,333
Average Down Payment0.8%
Average Interest Rate6.580%
Effective Tax Rate0.49%
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FHA loans require a minimum 3.5% down payment.

Estimated Monthly Payment

$1,306/mo

  • Principal & Interest$1,019
  • Property Tax$65
  • Home Insurance$150
  • FHA MIP$73
Amortization · Remaining Balance

Financed Loan Amount

$159,815

Total Interest

$206,867

Total of Payments

$366,682

*Includes financed FHA Upfront MIP of $2,749

Local Market Insights

Prairie County FHA Mortgage Overview

Prairie County’s FHA market is defined by near-zero entry costs, with a weighted down payment of just 0.84% on an average property value of $158,333. This low barrier is ideal for buyers using an FHA loan calculator with PMI and taxes in Prairie County, MT, though it mandates permanent Mortgage Insurance Premiums (MIP) due to the 99.16% LTV ratio. The 0.49% effective property tax rate is modest, and the recent -5.5% inflation-adjusted tax change reduces monthly burdens. For a Prairie County FHA mortgage calculator with property taxes, note that MIP persists for the loan’s life, making this structure perfect for primary residence buyers with sub-620 credit scores seeking affordable entry.

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.