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Guaynabo Municipio FHA Loan Calculator

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

Loan Details

Guaynabo Municipio, PR Benchmarks

FHA averages
Typical Property Value$341,408
Average Down Payment13.6%
Average Interest Rate5.682%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 206 regional loans totaling $57,200,000 (HMDA database).
$
%

$46,431 down · $294,977 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$313 / month

$

Annual premium

$

Per month

%

$125 / month

Estimated Monthly Payment

$2,326/mo

  • Principal & Interest$1,738
  • Property Tax$313
  • Home Insurance$150
  • FHA MIP$125
Amortization · Remaining Balance

Financed Loan Amount

$300,139

Total Interest

$325,615

Total of Payments

$625,753

*Includes financed FHA Upfront MIP of $5,162

Local Market Insights

Guaynabo Municipio FHA Mortgage Overview

In Guaynabo Municipio, the 13.59% average down payment for FHA loans provides accessible entry, yet it mandates Mortgage Insurance Premiums (MIP) for the loan’s life due to the 86.41% median LTV. This is ideal for buyers with sub-620 credit scores seeking owner-occupied properties. With an effective tax rate of N/A%, monthly affordability hinges on the 5.682% interest rate and MIP, not local tax shifts. When evaluating an FHA loan with PMI and taxes in Guaynabo Municipio, PR, the $341,407.77 average property value underscores a market where low down payments offset permanent MIP costs.

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.