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Cocke County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Cocke County, TN Benchmarks

FHA averages
Typical Property Value$271,185
Average Down Payment11.7%
Average Interest Rate6.403%
Effective Tax Rate0.49%
$
%

$31,729 down · $239,456 financed

Estimated Monthly Payment

$1,886/mo

  • Principal & Interest$1,524
  • Property Tax$111
  • Home Insurance$150
  • FHA MIP$102
Amortization · Remaining Balance

Financed Loan Amount

$243,647

Total Interest

$305,002

Total of Payments

$548,649

*Includes financed FHA Upfront MIP of $4,190

Local Market Insights

Cocke County FHA Mortgage Overview

For Cocke County homebuyers using an FHA loan, the 11.71% average down payment offers accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 88.29% loan-to-value ratio. This FHA loan calculator with PMI and taxes in Cocke County, TN data shows a $271,184 average property value at a 6.403% rate. The 0.49% effective property tax rate, with a -4.4% inflation-adjusted tax decline, slightly eases monthly affordability. As 100% of buyers purchase primary residences, this FHA mortgage calculator with property taxes reflects a stable owner-occupied market, ideal for those with sub-620 credit.

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.