Mortgage Data Labs

Programmatic SEO Local County Calculator

Calculator>North Dakota>Bottineau County (FHA)

Bottineau County FHA Loan Calculator

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

Bottineau County, ND Benchmarks

FHA averages
Typical Property Value$185,556
Average Down Payment10.1%
Average Interest Rate6.353%
Effective Tax Rate0.59%
$
%

$18,741 down · $166,815 financed

Estimated Monthly Payment

$1,368/mo

  • Principal & Interest$1,056
  • Property Tax$91
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$169,734

Total Interest

$210,479

Total of Payments

$380,213

*Includes financed FHA Upfront MIP of $2,919

Local Market Insights

Bottineau County FHA Mortgage Overview

For Bottineau County homebuyers, the 10.13% down payment on an FHA loan provides accessible entry, though it mandates Mortgage Insurance Premiums (MIP) for the loan’s life. With a 89.87% Loan-to-Value ratio, this is ideal for those with sub-620 credit, as you cannot cancel MIP. The 0.59% property tax rate, adjusted 1.2% for inflation, keeps monthly costs manageable on the $185,555.56 average value. When evaluating Bottineau County FHA loan limits and tax impacts, this data reflects 100% primary residences, not investments, ensuring stable, owner-occupied market insights.

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.