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Cidra Municipio FHA Loan Calculator

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

Loan Details

Cidra Municipio, PR Benchmarks

FHA averages
Typical Property Value$190,714
Average Down Payment6.2%
Average Interest Rate5.836%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 63 regional loans totaling $9,625,000 (HMDA database).
$
%

$11,824 down · $178,890 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$175 / month

$

Annual premium

$

Per month

%

$76 / month

Estimated Monthly Payment

$1,473/mo

  • Principal & Interest$1,073
  • Property Tax$175
  • Home Insurance$150
  • FHA MIP$76
Amortization · Remaining Balance

Financed Loan Amount

$182,020

Total Interest

$204,134

Total of Payments

$386,154

*Includes financed FHA Upfront MIP of $3,131

Local Market Insights

Cidra Municipio FHA Mortgage Overview

In Cidra Municipio, the typical FHA buyer secures a home valued near $190,714 with a 6.18% down payment, leveraging a 93.82% LTV ratio. This low entry point is accessible but mandates Mortgage Insurance Premiums (MIP) for the loan’s entire term, a key factor when evaluating an FHA loan with PMI and taxes in Cidra Municipio, PR. The N/A% effective property tax rate and zero inflation-adjusted change offer stable monthly affordability. Since 100% are owner-occupied, this data reflects standard homebuyers, not investors. For those exploring FHA loan limits, this structure suits buyers with sub-620 credit scores seeking a manageable path to homeownership.

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.