Goliad County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Goliad County, TX Benchmarks

FHA averages

Typical Property Value$299,286

Average Down Payment4.8%

Average Interest Rate6.169%

Effective Tax Rate0.95%

Median Tax Paid$1,812/yr

Tax Growth (Historical)-7.1%

Based on 14 regional loans totaling $4,010,000 (HMDA database).

Home Price

Down Payment

$14,366 down · $284,920 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$237 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$133 / month

Estimated Monthly Payment

$2,290/mo

Principal & Interest$1,770
Property Tax$237
Home Insurance$150
FHA MIP$133

Amortization · Remaining Balance

Financed Loan Amount

$289,906

Total Interest

$347,274

Total of Payments

$637,181

*Includes financed FHA Upfront MIP of $4,986

Local Market Insights

Goliad County FHA Mortgage Overview

Goliad County homebuyers using FHA loans benefit from an accessible 4.81% down payment on a $299,286 average property value, but this low entry point comes with mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. The 95.19% Loan-to-Value ratio confirms this is a high-LTV market for primary residences. Given the 0.95% effective tax rate and recent -7.1% inflation-adjusted tax decrease, monthly affordability improves slightly. When evaluating an FHA loan with PMI and taxes in Goliad County, TX, or assessing FHA loan down payments here, remember MIP is permanent, making this structure ideal for buyers with sub-620 credit seeking owner-occupied financing. The average 6.169% rate further shapes total cost.

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.