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Aibonito Municipio FHA Loan Calculator

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

Loan Details

Aibonito Municipio, PR Benchmarks

FHA averages
Typical Property Value$161,897
Average Down Payment9.1%
Average Interest Rate5.841%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 29 regional loans totaling $3,725,000 (HMDA database).
$
%

$14,733 down · $147,164 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$148 / month

$

Annual premium

$

Per month

%

$62 / month

Estimated Monthly Payment

$1,243/mo

  • Principal & Interest$882
  • Property Tax$148
  • Home Insurance$150
  • FHA MIP$62
Amortization · Remaining Balance

Financed Loan Amount

$149,740

Total Interest

$167,932

Total of Payments

$317,671

*Includes financed FHA Upfront MIP of $2,575

Local Market Insights

Aibonito Municipio FHA Mortgage Overview

In Aibonito Municipio, the typical FHA homebuyer puts down 9.12% on an average property value of $161,896.55, reflecting the program's accessible entry point. With a high 90.88% loan-to-value ratio, this down payment is ideal for buyers with sub-620 credit scores, but note that FHA Mortgage Insurance Premiums (MIP) remain for the life of the loan—unlike conventional loans. The effective property tax rate is N/A%, meaning no local tax burden impacts the true monthly affordability for these 100% primary residences. For an accurate picture of total costs, an FHA mortgage calculator with property taxes and MIP is essential to evaluate the 5.841% interest rate against long-term MIP obligations.

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.