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Throckmorton County FHA Loan Calculator

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

Loan Details

Throckmorton County, TX Benchmarks

FHA averages
Typical Property Value$175,000
Average Down Payment3.5%
Average Interest Rate6.250%
Effective Tax Rate1.00%
Median Tax Paid$1,148/yr
Tax Growth (Historical)+14.9%
Based on 1 regional loans totaling $175,000 (HMDA database).
$
%

$6,125 down · $168,875 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$146 / month

$

Annual premium

$

Per month

%

$79 / month

Estimated Monthly Payment

$1,433/mo

  • Principal & Interest$1,058
  • Property Tax$146
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$171,830

Total Interest

$209,046

Total of Payments

$380,876

*Includes financed FHA Upfront MIP of $2,955

Local Market Insights

Throckmorton County FHA Mortgage Overview

Throckmorton County’s FHA market shows a highly accessible entry point with a 3.50% down payment on a $175,000 average property. The 96.50% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, ideal for buyers with sub-620 credit. Despite a 6.250% rate, the effective 1.00% property tax rate keeps monthly costs manageable, though a 14.9% inflation-adjusted tax increase will affect true affordability. All loans reflect 100% primary occupancy, not investment properties. For precise monthly costs including PMI and taxes, a Throckmorton County FHA mortgage analysis with property taxes is essential for budgeting.

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.