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Aransas County FHA Loan Calculator

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

Aransas County, TX Benchmarks

FHA averages
Typical Property Value$299,000
Average Down Payment5.2%
Average Interest Rate6.093%
Effective Tax Rate1.01%
$
%

$15,548 down · $283,452 financed

Estimated Monthly Payment

$2,268/mo

  • Principal & Interest$1,746
  • Property Tax$252
  • Home Insurance$150
  • FHA MIP$120
Amortization · Remaining Balance

Financed Loan Amount

$288,412

Total Interest

$340,112

Total of Payments

$628,525

*Includes financed FHA Upfront MIP of $4,960

Local Market Insights

Aransas County FHA Mortgage Overview

For Aransas County homebuyers, the 5.16% weighted average down payment on FHA loans highlights a highly accessible entry point. With a 94.84% loan-to-value ratio, this path requires mandatory Mortgage Insurance Premiums for the life of the loan, making it ideal for those with sub-620 credit. The effective 1.01% property tax rate, adjusted upward by 9.3% for inflation, significantly impacts monthly affordability. When evaluating an FHA loan with PMI and taxes in Aransas County, TX, or reviewing Aransas County FHA loan limits, remember this tax shift adds a real, recurring cost. All data reflects standard, owner-occupied purchases.

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.