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Culberson County FHA Loan Calculator

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

Culberson County, TX Benchmarks

FHA averages
Typical Property Value$230,000
Average Down Payment3.7%
Average Interest Rate6.167%
Effective Tax Rate1.14%
$
%

$8,510 down · $221,490 financed

Estimated Monthly Payment

$1,848/mo

  • Principal & Interest$1,376
  • Property Tax$219
  • Home Insurance$150
  • FHA MIP$103
Amortization · Remaining Balance

Financed Loan Amount

$225,366

Total Interest

$269,963

Total of Payments

$495,329

*Includes financed FHA Upfront MIP of $3,876

Local Market Insights

Culberson County FHA Mortgage Overview

For Culberson County homebuyers, an FHA loan with a 3.67% down payment offers accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s life due to the high 96.33% loan-to-value ratio. With an average property value of $230,000 and a 6.167% rate, the effective 1.14% property tax rate—adjusted upward by 2.7% for inflation—adds roughly $219 monthly to your true cost. This data reflects 100% owner-occupied purchases, ideal for buyers with sub-620 credit seeking a Culberson County FHA mortgage with property taxes and PMI. Understanding these FHA loan limits and tax impacts is key to budgeting accurately.

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.