Duplin County FHA Loan Calculator

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

Duplin County, NC Benchmarks

FHA averages

Typical Property Value$241,194

Average Down Payment12.0%

Average Interest Rate6.358%

Effective Tax Rate0.68%

Home Price

Down Payment

$28,943 down · $212,251 financed

Estimated Monthly Payment

$1,722/mo

Principal & Interest$1,345
Property Tax$137
Home Insurance$150
FHA MIP$90

Amortization · Remaining Balance

Financed Loan Amount

$215,965

Total Interest

$268,315

Total of Payments

$484,280

*Includes financed FHA Upfront MIP of $3,714

Local Market Insights

Duplin County FHA Mortgage Overview

For Duplin County homebuyers, the weighted average down payment of 12.03% on an FHA loan provides accessible entry, but this loan type mandates Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of the equity built. The 87.97% Loan-to-Value ratio confirms this is a low-down-payment market, ideal for buyers with sub-620 credit scores. With an effective property tax rate of 0.68% and a 1.0% inflation-adjusted tax increase, true monthly affordability remains stable. When exploring an FHA loan with PMI and taxes in Duplin County, NC, remember these costs are permanent for this owner-occupied loan structure.

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.