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Fort Bend County FHA Loan Calculator

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

Loan Details

Fort Bend County, TX Benchmarks

FHA averages
Typical Property Value$350,383
Average Down Payment5.2%
Average Interest Rate5.536%
Effective Tax Rate1.77%
Median Tax Paid$6,965/yr
Tax Growth (Historical)-3.0%
Based on 4,055 regional loans totaling $1,354,885,000 (HMDA database).
$
%

$18,220 down · $332,163 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$517 / month

$

Annual premium

$

Per month

%

$141 / month

Estimated Monthly Payment

$2,735/mo

  • Principal & Interest$1,927
  • Property Tax$517
  • Home Insurance$150
  • FHA MIP$141
Amortization · Remaining Balance

Financed Loan Amount

$337,976

Total Interest

$355,917

Total of Payments

$693,893

*Includes financed FHA Upfront MIP of $5,813

Local Market Insights

Fort Bend County FHA Mortgage Overview

Fort Bend County’s FHA market reveals a highly accessible entry point for owner-occupants. With a 5.22% down payment and a 94.78% loan-to-value ratio, buyers can secure a $350,383 home with minimal cash, but must carry mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit scores. The 1.77% effective property tax rate, adjusted down 3.0% for inflation, slightly offsets monthly costs, enhancing affordability. For those using an FHA loan calculator with PMI and taxes in Fort Bend County, TX, or exploring FHA loan down payment calculators in Fort Bend County, Texas, this data confirms low upfront barriers but permanent MIP. The recent tax shift means Fort Bend County FHA mortgage calculators with property taxes should reflect a modest tax relief, while Fort Bend County FHA loan limits remain supportive for standard homebuyers focused on primary residences.

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.