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Warren County FHA Loan Calculator

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

Loan Details

Warren County, TN Benchmarks

FHA averages
Typical Property Value$278,005
Average Down Payment11.2%
Average Interest Rate6.321%
Effective Tax Rate0.43%
Median Tax Paid$805/yr
Tax Growth (Historical)+0.5%
Based on 214 regional loans totaling $51,210,000 (HMDA database).
$
%

$31,137 down · $246,868 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$100 / month

$

Annual premium

$

Per month

%

$105 / month

Estimated Monthly Payment

$1,912/mo

  • Principal & Interest$1,558
  • Property Tax$100
  • Home Insurance$150
  • FHA MIP$105
Amortization · Remaining Balance

Financed Loan Amount

$251,189

Total Interest

$309,715

Total of Payments

$560,904

*Includes financed FHA Upfront MIP of $4,320

Local Market Insights

Warren County FHA Mortgage Overview

For Warren County homebuyers using an FHA loan, the 11.21% down payment on a $278,005 property provides accessible entry, but remember that mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 88.79% LTV ratio. This FHA loan down payment analysis shows lower barriers for primary residences, ideal for those with sub-620 credit scores. The 0.43% property tax rate and recent 0.5% inflation-adjusted shift add modest monthly costs. When evaluating Warren County FHA loan limits and tax impacts, factor in MIP and these taxes for true affordability.

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.