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Butler County FHA Loan Calculator

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

Loan Details

Butler County, NE Benchmarks

FHA averages
Typical Property Value$232,778
Average Down Payment14.0%
Average Interest Rate6.413%
Effective Tax Rate1.12%
Median Tax Paid$2,044/yr
Tax Growth (Historical)+2.2%
Based on 27 regional loans totaling $5,315,000 (HMDA database).
$
%

$32,589 down · $200,189 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$217 / month

$

Annual premium

$

Per month

%

$85 / month

Estimated Monthly Payment

$1,728/mo

  • Principal & Interest$1,275
  • Property Tax$217
  • Home Insurance$150
  • FHA MIP$85
Amortization · Remaining Balance

Financed Loan Amount

$203,692

Total Interest

$255,467

Total of Payments

$459,159

*Includes financed FHA Upfront MIP of $3,503

Local Market Insights

Butler County FHA Mortgage Overview

For Butler County homebuyers utilizing an FHA loan, the 14.00% average down payment on a $232,777 property provides accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity. With an 86.00% Loan-to-Value ratio and 100% owner-occupancy, this market favors buyers with sub-620 credit scores. The effective property tax rate of 1.12% plus a 2.2% inflation-adjusted increase directly impacts monthly affordability. When evaluating an FHA loan down payment in Butler County, Nebraska, remember that MIP and taxes are permanent costs, making the Butler County FHA mortgage with property taxes a long-term commitment.

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.