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Kaufman County FHA Loan Calculator

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

Loan Details

Kaufman County, TX Benchmarks

FHA averages
Typical Property Value$310,527
Average Down Payment4.2%
Average Interest Rate5.385%
Effective Tax Rate1.49%
Median Tax Paid$5,377/yr
Tax Growth (Historical)+3.6%
Based on 2,802 regional loans totaling $840,060,000 (HMDA database).
$
%

$13,042 down · $297,485 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$386 / month

$

Annual premium

$

Per month

%

$139 / month

Estimated Monthly Payment

$2,370/mo

  • Principal & Interest$1,696
  • Property Tax$386
  • Home Insurance$150
  • FHA MIP$139
Amortization · Remaining Balance

Financed Loan Amount

$302,691

Total Interest

$307,842

Total of Payments

$610,533

*Includes financed FHA Upfront MIP of $5,206

Local Market Insights

Kaufman County FHA Mortgage Overview

For Kaufman County homebuyers, the 4.17% down payment on an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the loan's life, regardless of equity. With a 95.83% loan-to-value ratio and 100% owner-occupied data, this is standard for primary residences. The 1.49% effective property tax rate, with a 3.6% inflation-adjusted increase, significantly impacts monthly affordability. When evaluating an FHA loan with PMI and taxes in Kaufman County, TX, or considering down payment options, factor in these recurring costs. This data helps assess FHA loan limits and tax implications for your specific budget.

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.