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Warren County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Warren 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

Warren County, NY Benchmarks

FHA averages
Typical Property Value$288,037
Average Down Payment13.0%
Average Interest Rate6.422%
Effective Tax Rate1.28%
$
%

$37,445 down · $250,592 financed

Estimated Monthly Payment

$2,162/mo

  • Principal & Interest$1,598
  • Property Tax$307
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$254,978

Total Interest

$320,389

Total of Payments

$575,366

*Includes financed FHA Upfront MIP of $4,385

Local Market Insights

Warren County FHA Mortgage Overview

In Warren County, the 12.99% average down payment on FHA loans provides accessible entry for buyers, especially those with sub-620 credit scores. However, mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 87.01% Loan-to-Value ratio, as this data reflects 100% primary residences. The effective property tax rate of 1.28% and a recent 0.8% inflation-adjusted tax increase mean monthly affordability is impacted beyond the interest rate of 6.422%. For a comprehensive view of your FHA loan with PMI and taxes in Warren County, NY, understanding these local down payment and tax dynamics is crucial.

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.