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Dunn County FHA Loan Calculator

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

Loan Details

Dunn County, ND Benchmarks

FHA averages
Typical Property Value$343,571
Average Down Payment14.7%
Average Interest Rate6.143%
Effective Tax Rate0.43%
Median Tax Paid$1,665/yr
Tax Growth (Historical)+9.6%
Based on 7 regional loans totaling $1,985,000 (HMDA database).
$
%

$50,505 down · $293,066 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$123 / month

$

Annual premium

$

Per month

%

$124 / month

Estimated Monthly Payment

$2,212/mo

  • Principal & Interest$1,815
  • Property Tax$123
  • Home Insurance$150
  • FHA MIP$124
Amortization · Remaining Balance

Financed Loan Amount

$298,195

Total Interest

$355,117

Total of Payments

$653,312

*Includes financed FHA Upfront MIP of $5,129

Local Market Insights

Dunn County FHA Mortgage Overview

In Dunn County, the 14.69% average down payment for FHA loans provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, even with this equity. The 85.31% Loan-to-Value ratio confirms this is a standard owner-occupied purchase, ideal for buyers with lower credit scores. With an effective property tax rate of 0.43% and a recent 9.6% inflation-adjusted tax increase, monthly affordability is tightening. When evaluating your FHA loan with PMI and taxes in Dunn County, ND, the low tax rate partially offsets the permanent MIP cost. For a detailed breakdown of your FHA loan down payment and property taxes in Dunn County, North Dakota, consider how these fixed MIP payments interact with local tax burdens.

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.