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Brazoria County FHA Loan Calculator

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

Brazoria County, TX Benchmarks

FHA averages
Typical Property Value$331,661
Average Down Payment4.7%
Average Interest Rate5.678%
Effective Tax Rate1.69%
$
%

$15,588 down · $316,073 financed

Estimated Monthly Payment

$2,627/mo

  • Principal & Interest$1,863
  • Property Tax$467
  • Home Insurance$150
  • FHA MIP$147
Amortization · Remaining Balance

Financed Loan Amount

$321,604

Total Interest

$348,902

Total of Payments

$670,507

*Includes financed FHA Upfront MIP of $5,531

Local Market Insights

Brazoria County FHA Mortgage Overview

For Brazoria County homebuyers using an FHA loan, the 4.70% average down payment and 95.30% LTV ratio provide accessible entry, but require mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal if your credit score is sub-620. The effective 1.69% property tax rate, with a 0.4% inflation-adjusted increase, raises true monthly costs significantly. When evaluating an FHA loan with PMI and taxes in Brazoria County, TX, this tax shift adds roughly $18 per month to a $331,661 home. All data reflects standard owner-occupied purchases, not investments.

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.