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Golden Valley County FHA Loan Calculator

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

Loan Details

Golden Valley County, ND Benchmarks

FHA averages
Typical Property Value$216,111
Average Down Payment5.1%
Average Interest Rate5.950%
Effective Tax Rate0.64%
Median Tax Paid$1,104/yr
Tax Growth (Historical)-3.4%
Based on 9 regional loans totaling $1,845,000 (HMDA database).
$
%

$11,022 down · $205,089 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$115 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,597/mo

  • Principal & Interest$1,244
  • Property Tax$115
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$208,678

Total Interest

$239,317

Total of Payments

$447,996

*Includes financed FHA Upfront MIP of $3,589

Local Market Insights

Golden Valley County FHA Mortgage Overview

Golden Valley County FHA buyers benefit from a highly accessible 5.06% down payment, yet must budget for mandatory Mortgage Insurance Premiums (MIP) for the loan’s entire life, given the 94.94% loan-to-value ratio. This structure, ideal for those with sub-620 credit scores, pairs with a low 0.64% effective property tax rate. A recent -3.4% inflation-adjusted tax shift further improves monthly affordability. When evaluating an FHA loan with PMI and taxes in Golden Valley County, ND, this data confirms owner-occupied purchases dominate, making local FHA loan limits and property tax considerations critical for accurate 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.