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Cache County FHA Loan Calculator

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

Loan Details

Cache County, UT Benchmarks

FHA averages
Typical Property Value$406,852
Average Down Payment7.4%
Average Interest Rate6.046%
Effective Tax Rate0.46%
Median Tax Paid$2,011/yr
Tax Growth (Historical)+1.1%
Based on 434 regional loans totaling $159,330,000 (HMDA database).
$
%

$30,107 down · $376,745 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$156 / month

$

Annual premium

$

Per month

%

$160 / month

Estimated Monthly Payment

$2,776/mo

  • Principal & Interest$2,311
  • Property Tax$156
  • Home Insurance$150
  • FHA MIP$160
Amortization · Remaining Balance

Financed Loan Amount

$383,338

Total Interest

$448,493

Total of Payments

$831,831

*Includes financed FHA Upfront MIP of $6,593

Local Market Insights

Cache County FHA Mortgage Overview

Cache County homebuyers using an FHA loan with a 7.44% down payment gain accessible entry, but must account for mandatory Mortgage Insurance Premiums (MIP) for the loan's life. The 92.56% Loan-to-Value ratio confirms this is standard owner-occupied financing, ideal for buyers with sub-620 credit scores. At a 6.046% rate, the 0.46% effective property tax rate and 1.1% inflation-adjusted tax increase modestly impact monthly affordability. When evaluating an FHA loan calculator with PMI and taxes in Cache County, UT, remember MIP persists regardless of equity. This FHA down payment calculator in Cache County, Utah, highlights low-barrier entry, while the Cache County FHA mortgage calculator with property taxes shows stable tax burden. For Cache County FHA loan limits, this data reflects standard primary residence purchases only.

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.