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Cass County FHA Loan Calculator

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

Loan Details

Cass County, ND Benchmarks

FHA averages
Typical Property Value$321,723
Average Down Payment7.2%
Average Interest Rate6.123%
Effective Tax Rate1.11%
Median Tax Paid$3,564/yr
Tax Growth (Historical)+0.2%
Based on 412 regional loans totaling $121,900,000 (HMDA database).
$
%

$23,164 down · $298,559 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$298 / month

$

Annual premium

$

Per month

%

$127 / month

Estimated Monthly Payment

$2,419/mo

  • Principal & Interest$1,845
  • Property Tax$298
  • Home Insurance$150
  • FHA MIP$127
Amortization · Remaining Balance

Financed Loan Amount

$303,784

Total Interest

$360,359

Total of Payments

$664,142

*Includes financed FHA Upfront MIP of $5,225

Local Market Insights

Cass County FHA Mortgage Overview

In Cass County, the 7.21% average down payment for FHA loans offers accessible entry, but mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life due to the 92.79% loan-to-value ratio. This makes an FHA loan down payment analysis in Cass County, North Dakota, ideal for buyers with sub-620 credit, as conventional PMI cancellation is unavailable. The 1.11% property tax rate, with a 0.2% inflation-adjusted shift, adds roughly $30 monthly to true affordability. For a complete picture of FHA loan limits and tax impacts in Cass County, ND, consider how MIP and taxes together influence your monthly budget.

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.