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Brown County FHA Loan Calculator

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

Loan Details

Brown County, NE Benchmarks

FHA averages
Typical Property Value$125,000
Average Down Payment22.8%
Average Interest Rate6.490%
Effective Tax Rate0.96%
Median Tax Paid$1,250/yr
Tax Growth (Historical)+12.1%
Based on 2 regional loans totaling $180,000 (HMDA database).
$
%

$28,500 down · $96,500 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$100 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$911/mo

  • Principal & Interest$620
  • Property Tax$100
  • Home Insurance$150
  • FHA MIP$41
Amortization · Remaining Balance

Financed Loan Amount

$98,189

Total Interest

$125,002

Total of Payments

$223,191

*Includes financed FHA Upfront MIP of $1,689

Local Market Insights

Brown County FHA Mortgage Overview

For Brown County homebuyers using an FHA loan, the 22.78% average down payment is notably high, yet mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life, regardless of equity. This makes an FHA loan down payment analysis in Brown County, Nebraska, particularly relevant for those with sub-620 credit seeking accessible entry. The 77.22% loan-to-value ratio confirms a strong equity position from day one. With a 0.96% effective tax rate and a recent 12.1% inflation-adjusted increase, property taxes add $100 monthly on a $125,000 home. Buyers exploring Brown County FHA mortgage options with property taxes should factor this rising cost into long-term affordability.

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.