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Guánica Municipio FHA Loan Calculator

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

Loan Details

Guánica Municipio, PR Benchmarks

FHA averages
Typical Property Value$142,273
Average Down Payment6.5%
Average Interest Rate6.219%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 11 regional loans totaling $1,325,000 (HMDA database).
$
%

$9,248 down · $133,025 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$130 / month

$

Annual premium

$

Per month

%

$56 / month

Estimated Monthly Payment

$1,168/mo

  • Principal & Interest$831
  • Property Tax$130
  • Home Insurance$150
  • FHA MIP$56
Amortization · Remaining Balance

Financed Loan Amount

$135,353

Total Interest

$163,718

Total of Payments

$299,071

*Includes financed FHA Upfront MIP of $2,328

Local Market Insights

Guánica Municipio FHA Mortgage Overview

The weighted average down payment of 6.51% in Guánica Municipio highlights the accessibility of FHA financing, where mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 93.49% median Loan-to-Value ratio. This structure, ideal for buyers with sub-620 credit scores, ensures entry with minimal upfront cash. With a 6.219% average interest rate on $142,272.73 properties, monthly affordability is shaped by MIP and the N/A% effective tax rate, though no recent tax shift data is available. All buyers here are purchasing primary residences, reinforcing a stable, owner-occupied market. For detailed projections, consider an FHA loan calculator with PMI and taxes in Guánica Municipio, PR, or an FHA loan down payment calculator in Guánica Municipio, Puerto Rico, to assess true 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.