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Divide County FHA Loan Calculator

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

Divide County, ND Benchmarks

FHA averages
Typical Property Value$195,000
Average Down Payment4.8%
Average Interest Rate6.658%
Effective Tax Rate0.75%
$
%

$9,360 down · $185,640 financed

Estimated Monthly Payment

$1,572/mo

  • Principal & Interest$1,214
  • Property Tax$122
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$188,889

Total Interest

$248,097

Total of Payments

$436,986

*Includes financed FHA Upfront MIP of $3,249

Local Market Insights

Divide County FHA Mortgage Overview

For Divide County homebuyers, the 4.79% weighted average down payment and 95.21% LTV ratio confirm FHA’s role in enabling accessible entry, though this requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. The 0.75% property tax rate, coupled with a -5.6% inflation-adjusted tax shift, slightly reduces monthly burdens, improving affordability. When evaluating an FHA loan with PMI and taxes in Divide County, ND, or assessing Divide County FHA loan limits and tax factors, note that 100% primary occupancy underscores stable, owner-occupied demand.

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.