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Hardeman County FHA Loan Calculator

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

Loan Details

Hardeman County, TX Benchmarks

FHA averages
Typical Property Value$115,000
Average Down Payment3.5%
Average Interest Rate7.000%
Effective Tax Rate0.86%
Median Tax Paid$848/yr
Tax Growth (Historical)-9.1%
Based on 2 regional loans totaling $230,000 (HMDA database).
$
%

$4,025 down · $110,975 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$82 / month

$

Annual premium

$

Per month

%

$52 / month

Estimated Monthly Payment

$1,035/mo

  • Principal & Interest$751
  • Property Tax$82
  • Home Insurance$150
  • FHA MIP$52
Amortization · Remaining Balance

Financed Loan Amount

$112,917

Total Interest

$157,529

Total of Payments

$270,446

*Includes financed FHA Upfront MIP of $1,942

Local Market Insights

Hardeman County FHA Mortgage Overview

Hardeman County’s FHA market is defined by accessible entry, with a 3.50% down payment on a $115,000 average property. This low barrier pairs with a 96.50% loan-to-value ratio, but note that FHA requires Mortgage Insurance Premiums (MIP) for the entire loan term—ideal for buyers with sub-620 credit. The 0.86% effective tax rate, combined with a -9.1% inflation-adjusted decline, reduces monthly burden. For a complete picture of Hardeman County FHA loan limits and tax impact, or when exploring an FHA loan down payment in Hardeman County, Texas, these figures confirm strong affordability for 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.