Las Piedras Municipio FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Las Piedras Municipio, PR Benchmarks

FHA averages

Typical Property Value$196,579

Average Down Payment10.5%

Average Interest Rate5.598%

Effective Tax Rate%

Median Tax PaidN/A

Tax Growth (Historical)%

Based on 57 regional loans totaling $9,265,000 (HMDA database).

Home Price

Down Payment

$20,641 down · $175,938 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$180 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$75 / month

Estimated Monthly Payment

$1,432/mo

Principal & Interest$1,028
Property Tax$180
Home Insurance$150
FHA MIP$75

Amortization · Remaining Balance

Financed Loan Amount

$179,017

Total Interest

$190,955

Total of Payments

$369,972

*Includes financed FHA Upfront MIP of $3,079

Local Market Insights

Las Piedras Municipio FHA Mortgage Overview

For Las Piedras Municipio homebuyers, the 10.48% down payment on an FHA loan provides accessible entry, but the 89.52% LTV ratio confirms mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—ideal for those with sub-620 credit scores. With a 5.598% average rate on a $196,579 property, the effective property tax rate is N/A%, meaning no local tax burden impacts the FHA loan calculator with PMI and taxes in Las Piedras Municipio, PR. The inflation-adjusted tax change of N/A% further stabilizes monthly affordability. This data, reflecting 100% primary occupancy, indicates a risk profile suited for owner-occupants using the FHA loan down payment calculator in Las Piedras 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.