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Greene County FHA Loan Calculator

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

Loan Details

Greene County, NY Benchmarks

FHA averages
Typical Property Value$319,176
Average Down Payment13.7%
Average Interest Rate6.389%
Effective Tax Rate1.39%
Median Tax Paid$4,056/yr
Tax Growth (Historical)-4.4%
Based on 94 regional loans totaling $24,950,000 (HMDA database).
$
%

$43,727 down · $275,449 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$370 / month

$

Annual premium

$

Per month

%

$117 / month

Estimated Monthly Payment

$2,388/mo

  • Principal & Interest$1,751
  • Property Tax$370
  • Home Insurance$150
  • FHA MIP$117
Amortization · Remaining Balance

Financed Loan Amount

$280,269

Total Interest

$350,187

Total of Payments

$630,456

*Includes financed FHA Upfront MIP of $4,820

Local Market Insights

Greene County FHA Mortgage Overview

For Greene County homebuyers using an FHA loan, the 13.68% down payment and 86.32% loan-to-value ratio provide accessible entry, but mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life—even with this equity. This structure is ideal for buyers with sub-620 credit scores. The 1.39% effective property tax rate, combined with a -4.4% inflation-adjusted decrease, slightly improves monthly affordability. When evaluating an FHA loan down payment in Greene County, New York, remember MIP and taxes are fixed costs. This data reflects 100% primary residence purchases, not investments, ensuring your Greene County FHA mortgage assessment with property taxes is grounded in owner-occupant trends.

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.