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Barceloneta Municipio FHA Loan Calculator

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

Loan Details

Barceloneta Municipio, PR Benchmarks

FHA averages
Typical Property Value$169,079
Average Down Payment7.1%
Average Interest Rate5.739%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 76 regional loans totaling $11,050,000 (HMDA database).
$
%

$12,005 down · $157,074 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$155 / month

$

Annual premium

$

Per month

%

$67 / month

Estimated Monthly Payment

$1,303/mo

  • Principal & Interest$932
  • Property Tax$155
  • Home Insurance$150
  • FHA MIP$67
Amortization · Remaining Balance

Financed Loan Amount

$159,823

Total Interest

$175,578

Total of Payments

$335,401

*Includes financed FHA Upfront MIP of $2,749

Local Market Insights

Barceloneta Municipio FHA Mortgage Overview

In Barceloneta Municipio, the 7.10% weighted average down payment for FHA loans reflects a highly accessible entry point for owner-occupants, though it mandates Mortgage Insurance Premiums (MIP) for the loan’s life due to the 92.90% LTV ratio. This structure is ideal for buyers with sub-620 credit scores seeking standard home financing. The 5.739% average interest rate on a $169,079 property keeps monthly costs manageable. With property tax data unavailable, buyers should use an FHA loan down payment tool in Barceloneta Municipio, PR, to estimate MIP and taxes, as the absence of a tax rate simplifies affordability but requires verifying local levies separately.

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.