Treasure County FHA Loan Calculator

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

Treasure County, MT Benchmarks

FHA averages

Typical Property Value$295,000

Average Down Payment14.9%

Average Interest Rate6.990%

Effective Tax Rate0.48%

Home Price

Down Payment

$43,955 down · $251,045 financed

Estimated Monthly Payment

$2,072/mo

Principal & Interest$1,698
Property Tax$118
Home Insurance$150
FHA MIP$106

Amortization · Remaining Balance

Financed Loan Amount

$255,438

Total Interest

$355,742

Total of Payments

$611,180

*Includes financed FHA Upfront MIP of $4,393

Local Market Insights

Treasure County FHA Mortgage Overview

In Treasure County, the 14.88% FHA down payment offers accessible entry, but remember that FHA Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of this equity stake. With an 85.12% Loan-to-Value ratio and 100% owner-occupancy, this data reflects standard homebuyers. The 0.48% effective property tax rate, coupled with a -0.2% inflation-adjusted decrease, slightly eases monthly costs for those using an FHA loan with PMI and taxes in Treasure County, MT. This market suits buyers seeking an FHA mortgage with property taxes, as the low tax burden offsets the 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.