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Frio County FHA Loan Calculator

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

Frio County, TX Benchmarks

FHA averages
Typical Property Value$237,973
Average Down Payment4.2%
Average Interest Rate6.358%
Effective Tax Rate1.33%
$
%

$9,995 down · $227,978 financed

Estimated Monthly Payment

$1,965/mo

  • Principal & Interest$1,445
  • Property Tax$264
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$231,968

Total Interest

$288,197

Total of Payments

$520,165

*Includes financed FHA Upfront MIP of $3,990

Local Market Insights

Frio County FHA Mortgage Overview

Frio County’s FHA market reveals a highly accessible entry point for owner-occupants, with a 4.21% down payment and a 95.79% loan-to-value ratio. This low barrier is ideal for buyers with sub-620 credit, though mandatory MIP applies for the loan’s life. The 6.358% interest rate and 1.33% effective property tax rate, combined with a -7.5% inflation-adjusted tax decrease, improve true monthly affordability. For those using an FHA loan down payment strategy in Frio County, the recent tax shift helps offset PMI costs, making the FHA loan limits here particularly attractive for first-time buyers.

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.