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Seward County FHA Loan Calculator

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

Loan Details

Seward County, NE Benchmarks

FHA averages
Typical Property Value$255,645
Average Down Payment7.5%
Average Interest Rate6.397%
Effective Tax Rate1.18%
Median Tax Paid$2,850/yr
Tax Growth (Historical)-0.9%
Based on 31 regional loans totaling $7,105,000 (HMDA database).
$
%

$19,173 down · $236,472 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$251 / month

$

Annual premium

$

Per month

%

$100 / month

Estimated Monthly Payment

$2,007/mo

  • Principal & Interest$1,505
  • Property Tax$251
  • Home Insurance$150
  • FHA MIP$100
Amortization · Remaining Balance

Financed Loan Amount

$240,610

Total Interest

$301,201

Total of Payments

$541,810

*Includes financed FHA Upfront MIP of $4,138

Local Market Insights

Seward County FHA Mortgage Overview

For Seward County homebuyers, the 7.46% average down payment on FHA loans (with a 92.54% LTV) offers accessible entry, but note that FHA Mortgage Insurance Premiums (MIP) are mandatory for the loan's life, regardless of equity. This makes it ideal for those with sub-620 credit scores. The 1.18% effective property tax rate, combined with a -0.9% inflation-adjusted tax decline, slightly reduces true monthly affordability. When evaluating a Seward County FHA loan with PMI and taxes, the lower down payment and stable tax environment favor first-time buyers using an FHA mortgage with property taxes. All data reflects owner-occupied purchases.

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.