San Augustine County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

San Augustine County, TX Benchmarks

FHA averages

Typical Property Value$236,111

Average Down Payment8.2%

Average Interest Rate6.581%

Effective Tax Rate0.52%

Median Tax Paid$676/yr

Tax Growth (Historical)-3.7%

Based on 9 regional loans totaling $1,985,000 (HMDA database).

Home Price

Down Payment

$19,361 down · $216,750 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$102 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$92 / month

Estimated Monthly Payment

$1,750/mo

Principal & Interest$1,406
Property Tax$102
Home Insurance$150
FHA MIP$92

Amortization · Remaining Balance

Financed Loan Amount

$220,543

Total Interest

$285,475

Total of Payments

$506,018

*Includes financed FHA Upfront MIP of $3,793

Local Market Insights

San Augustine County FHA Mortgage Overview

In San Augustine County, the typical FHA buyer places an 8.21% down payment on a $236,111 property, requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 91.79% loan-to-value ratio. This structure suits owner-occupants, often with sub-620 credit, seeking accessible entry despite permanent MIP. The 0.52% property tax rate, paired with a -3.7% inflation-adjusted tax decline, lowers true monthly costs—a rare benefit for those using an FHA loan with PMI and taxes in San Augustine County, Texas. This data reflects standard homebuyers, not investors, improving local affordability.

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.