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DeWitt County FHA Loan Calculator

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

Loan Details

DeWitt County, TX Benchmarks

FHA averages
Typical Property Value$244,600
Average Down Payment8.1%
Average Interest Rate5.975%
Effective Tax Rate0.86%
Median Tax Paid$1,469/yr
Tax Growth (Historical)-0.8%
Based on 25 regional loans totaling $5,755,000 (HMDA database).
$
%

$19,813 down · $224,787 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$175 / month

$

Annual premium

$

Per month

%

$95 / month

Estimated Monthly Payment

$1,787/mo

  • Principal & Interest$1,367
  • Property Tax$175
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$228,721

Total Interest

$263,359

Total of Payments

$492,081

*Includes financed FHA Upfront MIP of $3,934

Local Market Insights

DeWitt County FHA Mortgage Overview

In DeWitt County, the typical FHA buyer puts down 8.13% on a $244,600 home, leveraging a 91.87% loan-to-value ratio. This low down payment provides accessible entry, but note that FHA requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, making it ideal for buyers with sub-620 credit. The effective property tax rate of 0.86% is moderate, and the recent -0.8% inflation-adjusted tax shift slightly eases monthly affordability. For those using a DeWitt County FHA loan calculator with PMI and taxes, the permanent MIP cost is a key factor in long-term budgeting. This data reflects 100% owner-occupied purchases, not investor activity.

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.