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Bath County FHA Loan Calculator

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

Bath County, VA Benchmarks

FHA averages
Typical Property Value$237,667
Average Down Payment9.9%
Average Interest Rate6.447%
Effective Tax Rate0.43%
$
%

$23,529 down · $214,138 financed

Estimated Monthly Payment

$1,696/mo

  • Principal & Interest$1,370
  • Property Tax$85
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$217,885

Total Interest

$275,324

Total of Payments

$493,210

*Includes financed FHA Upfront MIP of $3,747

Local Market Insights

Bath County FHA Mortgage Overview

In Bath County, the typical FHA homebuyer puts down 9.90%, which is well above the 3.5% minimum, lowering the loan-to-value to 90.10%. This down payment reduces the loan balance but does not eliminate the mandatory Mortgage Insurance Premium (MIP), which remains for the life of the loan—a crucial factor for those using an FHA loan calculator with PMI and taxes in Bath County, VA. With an average property value of $237,666.67 and a 6.447% rate, the effective tax rate of 0.43% is modest, and the recent -7.3% inflation-adjusted tax shift provides slight annual relief. All buyers are purchasing primary residences, reinforcing stable, owner-occupied demand.

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.