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Kendall County FHA Loan Calculator

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

Loan Details

Kendall County, TX Benchmarks

FHA averages
Typical Property Value$423,553
Average Down Payment6.1%
Average Interest Rate5.658%
Effective Tax Rate1.00%
Median Tax Paid$5,656/yr
Tax Growth (Historical)-6.8%
Based on 160 regional loans totaling $63,190,000 (HMDA database).
$
%

$25,837 down · $397,716 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$353 / month

$

Annual premium

$

Per month

%

$169 / month

Estimated Monthly Payment

$3,010/mo

  • Principal & Interest$2,338
  • Property Tax$353
  • Home Insurance$150
  • FHA MIP$169
Amortization · Remaining Balance

Financed Loan Amount

$404,676

Total Interest

$437,182

Total of Payments

$841,858

*Includes financed FHA Upfront MIP of $6,960

Local Market Insights

Kendall County FHA Mortgage Overview

Kendall County’s FHA market shows an accessible entry point with a 6.10% down payment on a $423,553 average property, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life. The 93.90% Loan-to-Value ratio confirms minimal equity, ideal for buyers with sub-620 credit seeking owner-occupied homes. The 1.00% effective property tax rate, combined with a -6.8% inflation-adjusted tax decrease, lowers true monthly costs. For a Kendall County FHA loan with PMI and taxes, or when evaluating Kendall County FHA loan limits, this tax relief slightly offsets MIP expenses. This data reflects standard primary residences, not investments.

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.