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Washington County FHA Loan Calculator

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

Loan Details

Washington County, NE Benchmarks

FHA averages
Typical Property Value$300,897
Average Down Payment12.4%
Average Interest Rate6.319%
Effective Tax Rate1.37%
Median Tax Paid$4,142/yr
Tax Growth (Historical)-2.1%
Based on 39 regional loans totaling $10,045,000 (HMDA database).
$
%

$37,311 down · $263,586 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$344 / month

$

Annual premium

$

Per month

%

$112 / month

Estimated Monthly Payment

$2,269/mo

  • Principal & Interest$1,664
  • Property Tax$344
  • Home Insurance$150
  • FHA MIP$112
Amortization · Remaining Balance

Financed Loan Amount

$268,199

Total Interest

$330,688

Total of Payments

$598,887

*Includes financed FHA Upfront MIP of $4,613

Local Market Insights

Washington County FHA Mortgage Overview

In Washington County, the 12.39% average down payment on FHA loans provides accessible entry for buyers, though mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, regardless of equity. With an 87.61% loan-to-value ratio and 100% primary occupancy, this data reflects standard homebuyers, not investors. The 1.37% property tax rate, combined with a -2.1% inflation-adjusted tax decrease, slightly improves monthly affordability. For those exploring an FHA loan with PMI and taxes in Washington County, NE, or reviewing FHA loan limits and tax factors, the 6.319% interest rate and $300,897 average property value frame the local market.

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.