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Arecibo Municipio FHA Loan Calculator

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

Loan Details

Arecibo Municipio, PR Benchmarks

FHA averages
Typical Property Value$167,383
Average Down Payment7.5%
Average Interest Rate5.760%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 194 regional loans totaling $25,870,000 (HMDA database).
$
%

$12,554 down · $154,829 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$153 / month

$

Annual premium

$

Per month

%

$66 / month

Estimated Monthly Payment

$1,289/mo

  • Principal & Interest$920
  • Property Tax$153
  • Home Insurance$150
  • FHA MIP$66
Amortization · Remaining Balance

Financed Loan Amount

$157,539

Total Interest

$173,789

Total of Payments

$331,328

*Includes financed FHA Upfront MIP of $2,710

Local Market Insights

Arecibo Municipio FHA Mortgage Overview

For Arecibo Municipio homebuyers using an FHA loan, the 7.52% weighted average down payment combined with a 92.48% LTV ratio signals accessible entry, but with mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit scores. The 5.760% average interest rate on a $167,383 property keeps monthly payments manageable, though the N/A% effective property tax rate means no local tax burden impacts affordability. This data, reflecting 100% primary occupancy, confirms an owner-occupied market where FHA loan limits and tax considerations remain stable, even without inflation-adjusted tax shifts.

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.