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Brunswick County FHA Loan Calculator

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

Loan Details

Brunswick County, VA Benchmarks

FHA averages
Typical Property Value$240,556
Average Down Payment14.0%
Average Interest Rate6.465%
Effective Tax Rate0.40%
Median Tax Paid$820/yr
Tax Growth (Historical)+10.8%
Based on 63 regional loans totaling $12,505,000 (HMDA database).
$
%

$33,678 down · $206,878 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$80 / month

$

Annual premium

$

Per month

%

$88 / month

Estimated Monthly Payment

$1,643/mo

  • Principal & Interest$1,325
  • Property Tax$80
  • Home Insurance$150
  • FHA MIP$88
Amortization · Remaining Balance

Financed Loan Amount

$210,499

Total Interest

$266,488

Total of Payments

$476,986

*Includes financed FHA Upfront MIP of $3,620

Local Market Insights

Brunswick County FHA Mortgage Overview

For Brunswick County, Virginia, the 13.98% average down payment on an FHA loan provides accessible entry for primary residence buyers. However, note the 86.02% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of this equity level—ideal for those with sub-620 credit. The 0.40% effective tax rate is modest, but the recent 10.8% inflation-adjusted tax increase will raise monthly costs; factor this into your FHA loan with PMI and taxes analysis. With a $240,555 average property value and 6.465% rate, your Brunswick County FHA mortgage with property taxes remains affordable, but long-term MIP is non-negotiable.

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.