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Delaware County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Delaware County, New York 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

Delaware County, NY Benchmarks

FHA averages
Typical Property Value$209,407
Average Down Payment12.8%
Average Interest Rate6.622%
Effective Tax Rate1.39%
$
%

$26,804 down · $182,603 financed

Estimated Monthly Payment

$1,659/mo

  • Principal & Interest$1,189
  • Property Tax$243
  • Home Insurance$150
  • FHA MIP$77
Amortization · Remaining Balance

Financed Loan Amount

$185,798

Total Interest

$242,268

Total of Payments

$428,067

*Includes financed FHA Upfront MIP of $3,196

Local Market Insights

Delaware County FHA Mortgage Overview

Delaware County's FHA market shows accessible entry with a 12.76% average down payment on $209,407 properties. This lower equity stake, combined with an 87.24% LTV ratio, triggers mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal for buyers with sub-620 credit scores. The 6.622% rate and 1.39% effective tax rate, with a -0.3% inflation-adjusted decrease, slightly ease monthly costs. For accurate projections, consider an FHA loan down payment analysis in Delaware County, NY, factoring in MIP and property taxes. All loans here are for primary residences, 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.