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Fulton County FHA Loan Calculator

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

Fulton County, PA Benchmarks

FHA averages
Typical Property Value$229,737
Average Down Payment12.8%
Average Interest Rate6.242%
Effective Tax Rate0.90%
$
%

$29,406 down · $200,331 financed

Estimated Monthly Payment

$1,661/mo

  • Principal & Interest$1,254
  • Property Tax$172
  • Home Insurance$150
  • FHA MIP$85
Amortization · Remaining Balance

Financed Loan Amount

$203,836

Total Interest

$247,507

Total of Payments

$451,343

*Includes financed FHA Upfront MIP of $3,506

Local Market Insights

Fulton County FHA Mortgage Overview

In Fulton County, the 12.80% average down payment on FHA loans provides accessible entry for buyers, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of this amount. With a median Loan-to-Value (LTV) of 87.20% and all buyers occupying primary residences, this data reflects standard owner-occupants, not investors. The effective property tax rate of 0.90% on a $229,736.84 average property value, combined with a recent -2.9% inflation-adjusted tax decrease, slightly improves monthly affordability. For those exploring FHA loan down payment options or Fulton County FHA loan limits and tax impacts, this market favors buyers with sub-620 credit scores who accept permanent 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.