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Paulding County FHA Loan Calculator

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

Loan Details

Paulding County, OH Benchmarks

FHA averages
Typical Property Value$185,000
Average Down Payment11.3%
Average Interest Rate6.635%
Effective Tax Rate0.90%
Median Tax Paid$1,450/yr
Tax Growth (Historical)+1.8%
Based on 51 regional loans totaling $8,145,000 (HMDA database).
$
%

$20,905 down · $164,095 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$139 / month

$

Annual premium

$

Per month

%

$70 / month

Estimated Monthly Payment

$1,428/mo

  • Principal & Interest$1,070
  • Property Tax$139
  • Home Insurance$150
  • FHA MIP$70
Amortization · Remaining Balance

Financed Loan Amount

$166,967

Total Interest

$218,110

Total of Payments

$385,077

*Includes financed FHA Upfront MIP of $2,872

Local Market Insights

Paulding County FHA Mortgage Overview

Paulding County's FHA market reveals an accessible entry point with an 11.31% down payment and 88.69% LTV, ideal for buyers with sub-620 credit. However, mandatory MIP applies for the loan's life, not just until 20% equity. The 0.90% effective property tax rate, with a 1.8% inflation-adjusted increase, adds modest monthly cost. For those seeking an FHA loan with PMI and taxes in Paulding County, OH, this data confirms primary residence purchases dominate, ensuring stable occupancy. Understanding Paulding County FHA loan limits and tax implications is crucial for budgeting true affordability.

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.