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Camp County FHA Loan Calculator

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

Loan Details

Camp County, TX Benchmarks

FHA averages
Typical Property Value$237,500
Average Down Payment4.6%
Average Interest Rate6.480%
Effective Tax Rate0.98%
Median Tax Paid$1,901/yr
Tax Growth (Historical)+8.3%
Based on 40 regional loans totaling $9,080,000 (HMDA database).
$
%

$10,925 down · $226,575 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$194 / month

$

Annual premium

$

Per month

%

$106 / month

Estimated Monthly Payment

$1,904/mo

  • Principal & Interest$1,454
  • Property Tax$194
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$230,540

Total Interest

$292,950

Total of Payments

$523,490

*Includes financed FHA Upfront MIP of $3,965

Local Market Insights

Camp County FHA Mortgage Overview

Camp County’s FHA market offers a clear entry point for owner-occupants, with a 4.59% down payment on a $237,500 average property. This low barrier is ideal for first-time buyers, but the 95.41% Loan-to-Value ratio triggers mandatory Mortgage Insurance Premiums for the loan’s life. The effective tax rate of 0.98% adds roughly $194 monthly, yet the recent 8.3% inflation-adjusted tax increase signals rising long-term costs. For those using an FHA loan with PMI and taxes in Camp County, TX, the low down payment remains the primary draw, though the fixed MIP and tax growth require careful budget planning.

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.