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Sullivan County FHA Loan Calculator

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

Loan Details

Sullivan County, NH Benchmarks

FHA averages
Typical Property Value$320,507
Average Down Payment14.9%
Average Interest Rate6.386%
Effective Tax Rate1.77%
Median Tax Paid$5,756/yr
Tax Growth (Historical)-0.6%
Based on 138 regional loans totaling $35,620,000 (HMDA database).
$
%

$47,756 down · $272,751 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$473 / month

$

Annual premium

$

Per month

%

$116 / month

Estimated Monthly Payment

$2,472/mo

  • Principal & Interest$1,734
  • Property Tax$473
  • Home Insurance$150
  • FHA MIP$116
Amortization · Remaining Balance

Financed Loan Amount

$277,525

Total Interest

$346,757

Total of Payments

$624,282

*Includes financed FHA Upfront MIP of $4,773

Local Market Insights

Sullivan County FHA Mortgage Overview

In Sullivan County, the 14.92% average down payment on an FHA loan provides accessible entry for buyers, though mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan given the 85.08% LTV ratio. This data reflects 100% owner-occupied purchases. The 1.77% effective property tax rate, despite a -0.6% inflation-adjusted decline, still adds significant monthly cost. When evaluating an FHA loan down payment scenario in Sullivan County, New Hampshire, the property tax burden and lifetime MIP must be factored into true affordability, particularly with the average 6.386% interest rate on a $320,507 property.

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.