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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, Utah 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, UT Benchmarks

FHA averages
Typical Property Value$435,814
Average Down Payment7.2%
Average Interest Rate6.040%
Effective Tax Rate0.41%
$
%

$31,379 down · $404,435 financed

Estimated Monthly Payment

$2,948/mo

  • Principal & Interest$2,478
  • Property Tax$149
  • Home Insurance$150
  • FHA MIP$171
Amortization · Remaining Balance

Financed Loan Amount

$411,513

Total Interest

$480,503

Total of Payments

$892,016

*Includes financed FHA Upfront MIP of $7,078

Local Market Insights

Washington County FHA Mortgage Overview

In Washington County, the 7.17% average down payment on FHA loans provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) is required for the loan’s life, even with this equity. The 92.83% loan-to-value ratio confirms a low-down-payment risk profile, ideal for buyers with sub-620 credit. The 0.41% effective property tax rate, with a 0.8% inflation-adjusted increase, keeps monthly costs manageable. For an FHA loan calculator with PMI and taxes in Washington County, UT, these figures show true affordability. This data reflects 100% primary occupancy, not investor purchases.

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.