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Grand County FHA Loan Calculator

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

Loan Details

Grand County, UT Benchmarks

FHA averages
Typical Property Value$500,385
Average Down Payment13.0%
Average Interest Rate6.170%
Effective Tax Rate0.40%
Median Tax Paid$2,215/yr
Tax Growth (Historical)+6.8%
Based on 13 regional loans totaling $5,545,000 (HMDA database).
$
%

$65,050 down · $435,335 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$167 / month

$

Annual premium

$

Per month

%

$185 / month

Estimated Monthly Payment

$3,206/mo

  • Principal & Interest$2,704
  • Property Tax$167
  • Home Insurance$150
  • FHA MIP$185
Amortization · Remaining Balance

Financed Loan Amount

$442,953

Total Interest

$530,607

Total of Payments

$973,560

*Includes financed FHA Upfront MIP of $7,618

Local Market Insights

Grand County FHA Mortgage Overview

For Grand County homebuyers, the 13.03% average down payment on an FHA loan provides accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, as the 86.97% LTV ratio confirms. This FHA loan down payment data is ideal for those with sub-620 credit seeking owner-occupied primary residences. The 0.40% effective property tax rate, coupled with a 6.8% inflation-adjusted increase, raises true monthly costs—an essential factor when evaluating a Grand County FHA mortgage with property taxes. Understanding Grand County FHA loan limits and tax impacts helps buyers budget for this market’s stable, 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.