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Gage County FHA Loan Calculator

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

Loan Details

Gage County, NE Benchmarks

FHA averages
Typical Property Value$218,409
Average Down Payment12.3%
Average Interest Rate6.353%
Effective Tax Rate1.26%
Median Tax Paid$2,447/yr
Tax Growth (Historical)-1.3%
Based on 88 regional loans totaling $15,950,000 (HMDA database).
$
%

$26,864 down · $191,545 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$229 / month

$

Annual premium

$

Per month

%

$81 / month

Estimated Monthly Payment

$1,673/mo

  • Principal & Interest$1,213
  • Property Tax$229
  • Home Insurance$150
  • FHA MIP$81
Amortization · Remaining Balance

Financed Loan Amount

$194,897

Total Interest

$241,681

Total of Payments

$436,578

*Includes financed FHA Upfront MIP of $3,352

Local Market Insights

Gage County FHA Mortgage Overview

For Gage County homebuyers, the 12.25% average down payment on FHA loans provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the 87.75% loan-to-value ratio. This makes FHA loans ideal for those with sub-620 credit seeking lower upfront costs. The 1.26% effective property tax rate, combined with a -1.3% inflation-adjusted decrease, slightly lowers true monthly affordability. When evaluating an FHA loan with PMI and taxes in Gage County, NE, or reviewing Gage County FHA loan limits and tax impacts, note that 100% primary occupancy data confirms these are standard homebuyer purchases, 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.