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Darlington County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Darlington County, South Carolina based on real HMDA transaction records.

Loan Details

Darlington County, SC Benchmarks

FHA averages
Typical Property Value$219,626
Average Down Payment9.4%
Average Interest Rate6.300%
Effective Tax Rate0.46%
Median Tax Paid$652/yr
Tax Growth (Historical)+4.7%
Based on 294 regional loans totaling $57,140,000 (HMDA database).
$
%

$20,645 down · $198,981 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$84 / month

$

Annual premium

$

Per month

%

$84 / month

Estimated Monthly Payment

$1,572/mo

  • Principal & Interest$1,253
  • Property Tax$84
  • Home Insurance$150
  • FHA MIP$84
Amortization · Remaining Balance

Financed Loan Amount

$202,463

Total Interest

$248,686

Total of Payments

$451,149

*Includes financed FHA Upfront MIP of $3,482

Local Market Insights

Darlington County FHA Mortgage Overview

In Darlington County, FHA buyers leverage a 9.38% down payment on an average $219,626 property, requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 90.62% LTV ratio. This structure suits buyers with sub-620 credit scores seeking accessible entry. The effective 0.46% property tax rate and recent 4.7% inflation-adjusted tax shift add modest monthly cost, critical when using an FHA loan with PMI and taxes in Darlington County, SC. All data reflects owner-occupied purchases, not investments. For accurate budgeting, consult an FHA down payment analysis tool for Darlington County, South Carolina, considering these tax impacts and loan limits.

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.