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Jefferson County FHA Loan Calculator

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

Loan Details
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

Jefferson County, NE Benchmarks

FHA averages
Typical Property Value$161,071
Average Down Payment6.9%
Average Interest Rate6.288%
Effective Tax Rate1.32%
$
%

$11,114 down · $149,957 financed

Estimated Monthly Payment

$1,334/mo

  • Principal & Interest$943
  • Property Tax$177
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$152,581

Total Interest

$187,058

Total of Payments

$339,639

*Includes financed FHA Upfront MIP of $2,624

Local Market Insights

Jefferson County FHA Mortgage Overview

For Jefferson County homebuyers, an FHA loan with a 6.90% down payment offers accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the 93.10% LTV ratio. This is ideal for those with sub-620 credit scores. The 1.32% property tax rate, with a recent 7.1% inflation-adjusted increase, significantly impacts monthly affordability. When evaluating your FHA loan with PMI and taxes in Jefferson County, NE, remember the average property value is $161,071.43 at a 6.288% rate. This data reflects 100% owner-occupied purchases, not investments, making the FHA loan limits and tax calculator a key tool for budgeting.

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.