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Bowie County FHA Loan Calculator

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

Bowie County, TX Benchmarks

FHA averages
Typical Property Value$227,043
Average Down Payment5.8%
Average Interest Rate6.511%
Effective Tax Rate1.17%
$
%

$13,168 down · $213,875 financed

Estimated Monthly Payment

$1,839/mo

  • Principal & Interest$1,377
  • Property Tax$221
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$217,617

Total Interest

$278,074

Total of Payments

$495,692

*Includes financed FHA Upfront MIP of $3,743

Local Market Insights

Bowie County FHA Mortgage Overview

Bowie County’s FHA market shows a low 5.84% down payment and a 94.16% LTV, making homeownership accessible. This entry point requires mandatory MIP for the loan’s life, ideal for those with sub-620 credit. The 1.17% property tax rate, with a recent -5.5% inflation-adjusted decrease, lowers monthly costs. For Bowie County FHA loan down payment and property tax assessments, this data confirms strong owner-occupancy (100%) and a stable affordability profile for 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.