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Presidio County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Presidio 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

Presidio County, TX Benchmarks

FHA averages
Typical Property Value$335,000
Average Down Payment3.5%
Average Interest Rate6.124%
Effective Tax Rate1.02%
$
%

$11,725 down · $323,275 financed

Estimated Monthly Payment

$2,583/mo

  • Principal & Interest$1,998
  • Property Tax$285
  • Home Insurance$150
  • FHA MIP$151
Amortization · Remaining Balance

Financed Loan Amount

$328,932

Total Interest

$390,191

Total of Payments

$719,123

*Includes financed FHA Upfront MIP of $5,657

Local Market Insights

Presidio County FHA Mortgage Overview

For Presidio County homebuyers, an FHA loan with a 3.50% down payment on a $335,000 property offers accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—critical for those with sub-620 credit. The 96.50% median LTV confirms this is a low-equity, owner-occupied market. The 1.02% effective property tax rate, combined with a -25.0% inflation-adjusted tax shift, significantly lowers true monthly affordability. When using an FHA loan calculator with PMI and taxes in Presidio County, TX, or evaluating Presidio County FHA loan limits and tax impacts, note that lower taxes offset the permanent MIP cost, making this a favorable entry point despite the high LTV.

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.