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Uvalde County FHA Loan Calculator

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

Loan Details

Uvalde County, TX Benchmarks

FHA averages
Typical Property Value$240,000
Average Down Payment6.3%
Average Interest Rate6.277%
Effective Tax Rate1.16%
Median Tax Paid$2,173/yr
Tax Growth (Historical)-6.7%
Based on 50 regional loans totaling $11,160,000 (HMDA database).
$
%

$15,120 down · $224,880 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$232 / month

$

Annual premium

$

Per month

%

$95 / month

Estimated Monthly Payment

$1,891/mo

  • Principal & Interest$1,413
  • Property Tax$232
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$228,815

Total Interest

$279,981

Total of Payments

$508,796

*Includes financed FHA Upfront MIP of $3,935

Local Market Insights

Uvalde County FHA Mortgage Overview

In Uvalde County, the 6.27% average down payment for FHA loans offers accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan's life, given the 93.73% LTV ratio. This data reflects 100% owner-occupied purchases, not investments. The 1.16% effective property tax rate, combined with a recent -6.7% inflation-adjusted decrease, provides slight monthly relief. For buyers using an FHA loan with PMI and taxes in Uvalde County, TX, understanding these fixed costs is crucial. The average property value of $240,000 and a 6.277% interest rate mean the Uvalde County FHA loan limits and tax dynamics directly shape long-term 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.