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Aguas Buenas Municipio FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Aguas Buenas Municipio, Puerto Rico based on real HMDA transaction records.

Loan Details

Aguas Buenas Municipio, PR Benchmarks

FHA averages
Typical Property Value$195,435
Average Down Payment7.9%
Average Interest Rate5.901%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 23 regional loans totaling $3,995,000 (HMDA database).
$
%

$15,439 down · $179,996 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$179 / month

$

Annual premium

$

Per month

%

$76 / month

Estimated Monthly Payment

$1,492/mo

  • Principal & Interest$1,086
  • Property Tax$179
  • Home Insurance$150
  • FHA MIP$76
Amortization · Remaining Balance

Financed Loan Amount

$183,146

Total Interest

$207,924

Total of Payments

$391,069

*Includes financed FHA Upfront MIP of $3,150

Local Market Insights

Aguas Buenas Municipio FHA Mortgage Overview

For Aguas Buenas Municipio homebuyers, the 7.86% down payment on an FHA loan provides accessible entry, but comes with mandatory Mortgage Insurance Premiums (MIP) for the life of the loan due to the 92.14% Loan-to-Value ratio. This structure is ideal for buyers with sub-620 credit scores. Since 100% of purchases are primary residences, the N/A% property tax rate and zero inflation-adjusted tax shift keep monthly costs stable. When evaluating an FHA loan with PMI and taxes in Aguas Buenas Municipio, PR, remember that while down payment requirements are low, the MIP cannot be cancelled, making long-term affordability key.

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.