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Dundy County FHA Loan Calculator

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

Loan Details

Dundy County, NE Benchmarks

FHA averages
Typical Property Value$205,000
Average Down Payment3.5%
Average Interest Rate6.250%
Effective Tax Rate0.90%
Median Tax Paid$1,146/yr
Tax Growth (Historical)+14.5%
Based on 2 regional loans totaling $390,000 (HMDA database).
$
%

$7,175 down · $197,825 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$154 / month

$

Annual premium

$

Per month

%

$92 / month

Estimated Monthly Payment

$1,635/mo

  • Principal & Interest$1,239
  • Property Tax$154
  • Home Insurance$150
  • FHA MIP$92
Amortization · Remaining Balance

Financed Loan Amount

$201,287

Total Interest

$244,882

Total of Payments

$446,169

*Includes financed FHA Upfront MIP of $3,462

Local Market Insights

Dundy County FHA Mortgage Overview

For Dundy County homebuyers, the 3.50% FHA down payment on a $205,000 property requires just $7,175 upfront, making entry highly accessible. However, with a 96.50% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life—ideal for those with sub-620 credit. The 0.90% effective property tax rate adds $1,845 annually, but the 14.5% inflation-adjusted tax shift increases monthly costs. When evaluating an FHA loan with PMI and taxes in Dundy County, NE, or checking Dundy County FHA loan limits, remember this data reflects 100% primary residences, not investments.

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.