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Fisher County FHA Loan Calculator

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

Loan Details

Fisher County, TX Benchmarks

FHA averages
Typical Property Value$186,429
Average Down Payment2.9%
Average Interest Rate6.562%
Effective Tax Rate1.01%
Median Tax Paid$1,359/yr
Tax Growth (Historical)-0.4%
Based on 7 regional loans totaling $1,295,000 (HMDA database).
$
%

$5,406 down · $181,023 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

%

$157 / month

$

Annual premium

$

Per month

%

$84 / month

Estimated Monthly Payment

$1,563/mo

  • Principal & Interest$1,171
  • Property Tax$157
  • Home Insurance$150
  • FHA MIP$84
Amortization · Remaining Balance

Financed Loan Amount

$184,190

Total Interest

$237,545

Total of Payments

$421,735

*Includes financed FHA Upfront MIP of $3,168

Local Market Insights

Fisher County FHA Mortgage Overview

For Fisher County homebuyers, the 2.90% FHA down payment on a $186,429 property provides highly accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s lifetime, regardless of the 97.10% LTV. This makes an FHA loan with PMI and taxes in Fisher County, TX ideal for those with sub-620 credit. The 1.01% effective tax rate, with a -0.4% inflation-adjusted decline, modestly improves monthly affordability. An FHA down payment analysis in Fisher County, Texas confirms this data reflects 100% owner-occupied primary residences, 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.