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Hardin County FHA Loan Calculator

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

Loan Details

Hardin County, TX Benchmarks

FHA averages
Typical Property Value$263,210
Average Down Payment5.2%
Average Interest Rate6.298%
Effective Tax Rate1.16%
Median Tax Paid$2,238/yr
Tax Growth (Historical)-0.1%
Based on 229 regional loans totaling $57,445,000 (HMDA database).
$
%

$13,687 down · $249,523 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$254 / month

$

Annual premium

$

Per month

%

$106 / month

Estimated Monthly Payment

$2,082/mo

  • Principal & Interest$1,572
  • Property Tax$254
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$253,890

Total Interest

$311,853

Total of Payments

$565,743

*Includes financed FHA Upfront MIP of $4,367

Local Market Insights

Hardin County FHA Mortgage Overview

Hardin County’s FHA market reveals a strategy for accessible entry, with a 5.17% down payment on a $263,210 average property. This low barrier, however, locks in mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, a key factor when using an FHA loan with PMI and taxes in Hardin County, TX. The 94.83% LTV underscores this long-term MIP commitment for owner-occupants. Property taxes at 1.16% add roughly $254 monthly, yet the -0.1% inflation-adjusted tax shift offers slight relief. For buyers evaluating Hardin County FHA loan limits and tax impacts, the 6.298% rate and permanent MIP demand precise budgeting.

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.