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Sutton County FHA Loan Calculator

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

Sutton County, TX Benchmarks

FHA averages
Typical Property Value$152,500
Average Down Payment1.5%
Average Interest Rate7.000%
Effective Tax Rate1.59%
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FHA loans require a minimum 3.5% down payment.

Estimated Monthly Payment

$1,439/mo

  • Principal & Interest$1,017
  • Property Tax$202
  • Home Insurance$150
  • FHA MIP$70
Amortization · Remaining Balance

Financed Loan Amount

$152,841

Total Interest

$213,227

Total of Payments

$366,068

*Includes financed FHA Upfront MIP of $2,629

Local Market Insights

Sutton County FHA Mortgage Overview

In Sutton County, the 1.51% weighted average down payment on an FHA loan underscores exceptional affordability, requiring just over $2,300 on a $152,500 property. This low entry point, however, mandates lifetime Mortgage Insurance Premiums (MIP) due to the 98.49% Loan-to-Value ratio, a critical factor for those using an FHA loan down payment tool. The effective 1.59% property tax rate adds roughly $202 monthly, but the recent -4.5% inflation-adjusted tax change offers slight relief. For homebuyers analyzing Sutton County FHA mortgage costs with property taxes, this market favors primary residence buyers with sub-620 credit seeking accessible ownership.

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.