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Comerío Municipio FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Comerío Municipio, PR Benchmarks

FHA averages
Typical Property Value$119,545
Average Down Payment4.5%
Average Interest Rate6.278%
Effective Tax Rate%
$
%

$5,380 down · $114,165 financed

Estimated Monthly Payment

$1,030/mo

  • Principal & Interest$718
  • Property Tax$110
  • Home Insurance$150
  • FHA MIP$53
Amortization · Remaining Balance

Financed Loan Amount

$116,163

Total Interest

$142,139

Total of Payments

$258,302

*Includes financed FHA Upfront MIP of $1,998

Local Market Insights

Comerío Municipio FHA Mortgage Overview

For Comerío Municipio homebuyers using an FHA loan, the 4.48% down payment on a $119,545 average property creates a very accessible entry point. However, this low equity results in a 95.52% loan-to-value ratio, mandating Mortgage Insurance Premiums (MIP) for the entire loan term—a key factor when evaluating an FHA loan with PMI and taxes in Comerío Municipio, PR. This structure is ideal for buyers with sub-620 credit scores. With a 6.278% interest rate and no effective property tax rate, the true monthly affordability hinges on the permanent MIP cost. This data reflects 100% primary residence purchases, ensuring the analysis applies to standard owner-occupied financing.

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.