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Crosby County FHA Loan Calculator

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

Crosby County, TX Benchmarks

FHA averages
Typical Property Value$151,667
Average Down Payment3.0%
Average Interest Rate6.639%
Effective Tax Rate1.16%
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FHA loans require a minimum 3.5% down payment.

Estimated Monthly Payment

$1,325/mo

  • Principal & Interest$960
  • Property Tax$147
  • Home Insurance$150
  • FHA MIP$69
Amortization · Remaining Balance

Financed Loan Amount

$149,692

Total Interest

$195,900

Total of Payments

$345,592

*Includes financed FHA Upfront MIP of $2,575

Local Market Insights

Crosby County FHA Mortgage Overview

In Crosby County, the 3.05% FHA down payment provides accessible entry, but the 96.95% Loan-to-Value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, making this ideal for buyers with sub-620 credit. The 1.16% effective property tax rate, with a recent 6.7% inflation-adjusted increase, directly impacts monthly affordability. For those exploring an FHA loan calculator with PMI and taxes in Crosby County, TX, or an FHA mortgage calculator with property taxes, note that these tax shifts raise true monthly costs. All data reflects 100% primary 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.