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Angelina County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Angelina County, Texas 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

Angelina County, TX Benchmarks

FHA averages
Typical Property Value$234,770
Average Down Payment4.7%
Average Interest Rate6.492%
Effective Tax Rate1.13%
$
%

$11,034 down · $223,736 financed

Estimated Monthly Payment

$1,913/mo

  • Principal & Interest$1,437
  • Property Tax$221
  • Home Insurance$150
  • FHA MIP$104
Amortization · Remaining Balance

Financed Loan Amount

$227,651

Total Interest

$289,818

Total of Payments

$517,469

*Includes financed FHA Upfront MIP of $3,915

Local Market Insights

Angelina County FHA Mortgage Overview

Angelina County’s FHA market shows a highly accessible entry point with a 4.73% down payment on a $234,770 average property. However, this low equity means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, a key factor for those using an FHA loan calculator with PMI and taxes in Angelina County, TX. The 95.27% Loan-to-Value ratio underscores this risk profile—ideal for buyers with sub-620 credit but lacking conventional flexibility. Monthly affordability is aided by a 1.13% effective property tax rate and an -8.0% inflation-adjusted tax decrease, reducing true carrying costs when evaluating an Angelina County FHA mortgage calculator with property taxes.

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.