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Kimble County FHA Loan Calculator

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

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Kimble County, TX Benchmarks

FHA averages
Typical Property Value$235,000
Average Down Payment3.9%
Average Interest Rate6.583%
Effective Tax Rate0.88%
$
%

$9,165 down · $225,835 financed

Estimated Monthly Payment

$1,892/mo

  • Principal & Interest$1,465
  • Property Tax$172
  • Home Insurance$150
  • FHA MIP$105
Amortization · Remaining Balance

Financed Loan Amount

$229,787

Total Interest

$297,441

Total of Payments

$527,228

*Includes financed FHA Upfront MIP of $3,952

Local Market Insights

Kimble County FHA Mortgage Overview

For Kimble County homebuyers, the FHA loan’s 3.86% down payment offers accessible entry, but the 96.14% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for those with sub-620 credit. The effective 0.88% property tax rate, combined with a 14.2% inflation-adjusted tax increase, significantly impacts monthly affordability. When evaluating a Kimble County FHA loan with PMI and taxes, this tax shift raises true costs. All data reflects 100% primary occupancy, not investment properties.

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.