Mortgage Data Labs

Programmatic SEO Local County Calculator

Home>Puerto Rico>Naguabo Municipio (FHA)

Naguabo Municipio FHA Loan Calculator

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

Loan Details

Naguabo Municipio, PR Benchmarks

FHA averages
Typical Property Value$161,200
Average Down Payment8.6%
Average Interest Rate5.903%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 50 regional loans totaling $6,350,000 (HMDA database).
$
%

$13,863 down · $147,337 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$148 / month

$

Annual premium

$

Per month

%

$62 / month

Estimated Monthly Payment

$1,249/mo

  • Principal & Interest$889
  • Property Tax$148
  • Home Insurance$150
  • FHA MIP$62
Amortization · Remaining Balance

Financed Loan Amount

$149,915

Total Interest

$170,197

Total of Payments

$320,113

*Includes financed FHA Upfront MIP of $2,578

Local Market Insights

Naguabo Municipio FHA Mortgage Overview

In Naguabo Municipio, the typical FHA homebuyer puts down 8.58% on a $161,200 property, which is lower than the standard 3.5% minimum but still requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. With a 91.42% Loan-to-Value (LTV) ratio, buyers start with minimal equity. The effective property tax rate is not applicable here, simplifying monthly affordability, though the inflation-adjusted tax change is also not applicable. When evaluating an FHA loan with PMI and taxes in Naguabo Municipio, PR, this accessible entry point helps buyers navigate local FHA loan limits and tax considerations.

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.