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Atascosa County FHA Loan Calculator

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

Loan Details

Atascosa County, TX Benchmarks

FHA averages
Typical Property Value$267,341
Average Down Payment4.2%
Average Interest Rate5.918%
Effective Tax Rate1.15%
Median Tax Paid$2,254/yr
Tax Growth (Historical)+5.2%
Based on 299 regional loans totaling $75,435,000 (HMDA database).
$
%

$11,228 down · $256,113 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$256 / month

$

Annual premium

$

Per month

%

$119 / month

Estimated Monthly Payment

$2,075/mo

  • Principal & Interest$1,549
  • Property Tax$256
  • Home Insurance$150
  • FHA MIP$119
Amortization · Remaining Balance

Financed Loan Amount

$260,595

Total Interest

$297,052

Total of Payments

$557,647

*Includes financed FHA Upfront MIP of $4,482

Local Market Insights

Atascosa County FHA Mortgage Overview

Atascosa County's FHA market is defined by accessible entry, with a 4.24% weighted down payment and a 95.76% loan-to-value ratio. This low barrier is ideal for buyers with sub-620 credit, but mandatory Mortgage Insurance Premiums remain for the loan's life. The effective property tax rate of 1.15%, combined with a 5.2% inflation-adjusted tax increase, raises true monthly affordability. For an FHA loan down payment in Atascosa County, Texas, these tax impacts and MIP must be factored into any FHA mortgage analysis with property taxes. All data reflects owner-occupied primary residences.

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.