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Ponce Municipio FHA Loan Calculator

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

Loan Details

Ponce Municipio, PR Benchmarks

FHA averages
Typical Property Value$169,110
Average Down Payment9.9%
Average Interest Rate5.888%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 292 regional loans totaling $39,910,000 (HMDA database).
$
%

$16,742 down · $152,368 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$155 / month

$

Annual premium

$

Per month

%

$65 / month

Estimated Monthly Payment

$1,288/mo

  • Principal & Interest$919
  • Property Tax$155
  • Home Insurance$150
  • FHA MIP$65
Amortization · Remaining Balance

Financed Loan Amount

$155,035

Total Interest

$175,652

Total of Payments

$330,687

*Includes financed FHA Upfront MIP of $2,666

Local Market Insights

Ponce Municipio FHA Mortgage Overview

In Ponce Municipio, the average FHA loan features a 9.95% down payment on a $169,109 property, providing accessible entry despite mandatory Mortgage Insurance Premiums (MIP) for the life of the loan. With a 90.05% Loan-to-Value ratio, this MIP requirement is ideal for buyers with sub-620 credit scores, as it cannot be canceled. The 5.888% interest rate and N/A% effective property tax rate mean monthly affordability hinges on principal and MIP, not local tax shifts. This data reflects 100% primary residence purchases, not investments, making FHA loan limits and property tax considerations critical for budgeting.

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.