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Jeff Davis County FHA Loan Calculator

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

Loan Details

Jeff Davis County, TX Benchmarks

FHA averages
Typical Property Value$175,000
Average Down Payment41.2%
Average Interest Rate6.125%
Effective Tax Rate0.51%
Median Tax Paid$1,365/yr
Tax Growth (Historical)+3.2%
Based on 1 regional loans totaling $105,000 (HMDA database).
$
%

$72,100 down · $102,900 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$74 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$905/mo

  • Principal & Interest$637
  • Property Tax$74
  • Home Insurance$150
  • FHA MIP$44
Amortization · Remaining Balance

Financed Loan Amount

$104,701

Total Interest

$124,443

Total of Payments

$229,144

*Includes financed FHA Upfront MIP of $1,801

Local Market Insights

Jeff Davis County FHA Mortgage Overview

In Jeff Davis County, the 41.24% down payment on a $175,000 FHA loan creates substantial equity, yet the mandatory Mortgage Insurance Premium (MIP) remains for the loan's life—a key factor for those using an FHA loan with PMI and taxes in Jeff Davis County, TX. The 58.76% loan-to-value ratio indicates low risk, but MIP persists regardless. With a 0.51% effective tax rate and a 3.2% inflation-adjusted increase, monthly affordability is impacted. For buyers evaluating Jeff Davis County FHA loan limits and tax impacts, this data reflects 100% owner-occupied purchases, not investment properties. The high down payment makes an FHA loan down payment in Jeff Davis County, Texas, accessible for sub-620 credit borrowers, though ongoing MIP costs must be factored into the Jeff Davis County FHA mortgage with property taxes.

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.