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Washington County FHA Loan Calculator

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

Washington County, TX Benchmarks

FHA averages
Typical Property Value$290,179
Average Down Payment5.2%
Average Interest Rate5.413%
Effective Tax Rate0.79%
$
%

$15,089 down · $275,090 financed

Estimated Monthly Payment

$2,031/mo

  • Principal & Interest$1,573
  • Property Tax$191
  • Home Insurance$150
  • FHA MIP$117
Amortization · Remaining Balance

Financed Loan Amount

$279,904

Total Interest

$286,554

Total of Payments

$566,458

*Includes financed FHA Upfront MIP of $4,814

Local Market Insights

Washington County FHA Mortgage Overview

Washington County’s FHA market shows accessible entry via a 5.18% down payment, ideal for buyers with sub-620 credit. However, with a 94.82% LTV ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, a key factor for any FHA loan calculator with PMI and taxes in Washington County, TX. The 0.79% effective property tax rate, combined with a -1.8% inflation-adjusted tax decline, slightly improves monthly affordability. For those using an FHA loan down payment calculator in Washington County, Texas, this data confirms 100% primary occupancy, meaning no investment property risk. A Washington County FHA mortgage calculator with property taxes must account for permanent MIP costs.

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.