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Cataño Municipio FHA Loan Calculator

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

Loan Details

Cataño Municipio, PR Benchmarks

FHA averages
Typical Property Value$188,333
Average Down Payment11.2%
Average Interest Rate5.881%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 51 regional loans totaling $7,505,000 (HMDA database).
$
%

$21,093 down · $167,240 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$173 / month

$

Annual premium

$

Per month

%

$71 / month

Estimated Monthly Payment

$1,401/mo

  • Principal & Interest$1,007
  • Property Tax$173
  • Home Insurance$150
  • FHA MIP$71
Amortization · Remaining Balance

Financed Loan Amount

$170,166

Total Interest

$192,405

Total of Payments

$362,571

*Includes financed FHA Upfront MIP of $2,927

Local Market Insights

Cataño Municipio FHA Mortgage Overview

For buyers in Cataño Municipio, the 11.17% average down payment on an FHA loan provides accessible entry, yet requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan. With an 88.83% Loan-to-Value ratio and 100% owner-occupied properties, this market suits those with sub-620 credit scores seeking primary residences. The average property value of $188,333.33 and 5.881% rate mean FHA loan down payment considerations must include MIP costs. While the effective property tax rate is N/A, buyers using an FHA mortgage with property taxes should budget for potential local tax shifts, impacting true monthly affordability in Cataño Municipio, Puerto Rico.

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.