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Victoria County FHA Loan Calculator

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

Loan Details

Victoria County, TX Benchmarks

FHA averages
Typical Property Value$255,757
Average Down Payment5.8%
Average Interest Rate6.396%
Effective Tax Rate1.42%
Median Tax Paid$3,061/yr
Tax Growth (Historical)+1.0%
Based on 251 regional loans totaling $60,445,000 (HMDA database).
$
%

$14,834 down · $240,923 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$303 / month

$

Annual premium

$

Per month

%

$102 / month

Estimated Monthly Payment

$2,088/mo

  • Principal & Interest$1,533
  • Property Tax$303
  • Home Insurance$150
  • FHA MIP$102
Amortization · Remaining Balance

Financed Loan Amount

$245,139

Total Interest

$306,871

Total of Payments

$552,010

*Includes financed FHA Upfront MIP of $4,216

Local Market Insights

Victoria County FHA Mortgage Overview

In Victoria County, the 5.80% average down payment on an FHA loan provides accessible entry for owner-occupants, but the mandatory Mortgage Insurance Premium (MIP) applies for the loan's life due to the 94.20% Loan-to-Value ratio. This structure is ideal for buyers with sub-620 credit scores. The effective 1.42% property tax rate, with a 1.0% inflation-adjusted increase, adds significant monthly cost. When using an FHA loan calculator with PMI and taxes in Victoria County, TX, the true affordability hinges on this tax burden. An FHA down payment calculator in Victoria County, Texas must account for these fixed MIP costs, as building equity does not cancel them.

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.