Dawson County FHA Loan Calculator

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

Loan Details

Baseline

Rates

Taxes & Ins.

DTI

US County (Smart Autofill)

Loan Type

Credit Score (FICO)

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

Dawson County, NE Benchmarks

FHA averages

Typical Property Value$192,980

Average Down Payment8.1%

Average Interest Rate6.347%

Effective Tax Rate1.13%

Home Price

Down Payment

$15,631 down · $177,349 financed

Estimated Monthly Payment

$1,530/mo

Principal & Interest$1,123
Property Tax$182
Home Insurance$150
FHA MIP$75

Amortization · Remaining Balance

Financed Loan Amount

$180,452

Total Interest

$223,770

Total of Payments

$404,222

*Includes financed FHA Upfront MIP of $3,104

Local Market Insights

Dawson County FHA Mortgage Overview

For Dawson County homebuyers, the 8.13% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 91.87% LTV ratio. This FHA loan with PMI and taxes in Dawson County, NE, is ideal for primary residences (100% occupancy) and buyers with sub-620 credit. The effective property tax rate of 1.13% and a 5.9% inflation-adjusted tax increase add roughly $1,900 annually to costs, impacting true monthly affordability. When evaluating FHA loan limits and tax impacts, this market favors lower upfront cash but demands long-term MIP payments.

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.