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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, Ohio 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, OH Benchmarks

FHA averages
Typical Property Value$351,636
Average Down Payment12.7%
Average Interest Rate6.319%
Effective Tax Rate1.22%
$
%

$44,658 down · $306,978 financed

Estimated Monthly Payment

$2,575/mo

  • Principal & Interest$1,937
  • Property Tax$357
  • Home Insurance$150
  • FHA MIP$130
Amortization · Remaining Balance

Financed Loan Amount

$312,350

Total Interest

$385,127

Total of Payments

$697,478

*Includes financed FHA Upfront MIP of $5,372

Local Market Insights

Warren County FHA Mortgage Overview

In Warren County, the 12.71% average down payment on FHA loans provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 87.29% loan-to-value ratio. This data reflects 100% owner-occupied purchases, ideal for those with sub-620 credit scores. The 1.22% effective property tax rate, with a -0.1% inflation-adjusted shift, slightly eases monthly costs. When evaluating an FHA loan with PMI and taxes in Warren County, OH, or reviewing Warren County FHA loan limits and tax scenarios, the higher down payment reduces principal but does not eliminate MIP.

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.