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Emmons County FHA Loan Calculator

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

Emmons County, ND Benchmarks

FHA averages
Typical Property Value$180,000
Average Down Payment6.1%
Average Interest Rate6.238%
Effective Tax Rate0.72%
$
%

$10,980 down · $169,020 financed

Estimated Monthly Payment

$1,387/mo

  • Principal & Interest$1,058
  • Property Tax$108
  • Home Insurance$150
  • FHA MIP$72
Amortization · Remaining Balance

Financed Loan Amount

$171,978

Total Interest

$208,823

Total of Payments

$380,800

*Includes financed FHA Upfront MIP of $2,958

Local Market Insights

Emmons County FHA Mortgage Overview

For Emmons County homebuyers, the 6.14% weighted average down payment on an FHA loan provides accessible entry, but the 93.86% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life—ideal for those with sub-620 credit. The 0.72% effective property tax rate, with a 2.0% inflation-adjusted increase, adds roughly $108 annually, impacting monthly affordability. This data reflects 100% owner-occupied purchases, not investments. When evaluating an FHA loan with PMI and taxes in Emmons County, ND, understanding these fixed MIP costs is crucial for long-term budgeting.

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.