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Dawson County FHA Loan Calculator

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

Loan Details

Dawson County, TX Benchmarks

FHA averages
Typical Property Value$173,421
Average Down Payment2.7%
Average Interest Rate6.793%
Effective Tax Rate1.46%
Median Tax Paid$1,677/yr
Tax Growth (Historical)+3.8%
Based on 38 regional loans totaling $6,340,000 (HMDA database).
$
%

$4,682 down · $168,739 financed

FHA loans require a minimum of 3.5% down payment (or matching dollar amount).

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$211 / month

$

Annual premium

$

Per month

%

$79 / month

Estimated Monthly Payment

$1,558/mo

  • Principal & Interest$1,118
  • Property Tax$211
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$171,692

Total Interest

$230,845

Total of Payments

$402,537

*Includes financed FHA Upfront MIP of $2,953

Local Market Insights

Dawson County FHA Mortgage Overview

For Dawson County homebuyers, the 2.72% average down payment with an FHA loan provides exceptional entry accessibility. However, with a 97.28% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, a key factor when using an FHA loan calculator with PMI and taxes in Dawson County, TX. The effective 1.46% property tax rate, coupled with a 3.8% inflation-adjusted increase, significantly impacts monthly affordability. When evaluating a Dawson County FHA mortgage calculator with property taxes, factor in this rising tax burden. This data, reflecting 100% primary occupancy, shows FHA is ideal for buyers with sub-620 credit, though MIP is permanent. Understanding Dawson County FHA loan limits and tax calculator inputs helps manage total housing costs.

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.