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Northampton County FHA Loan Calculator

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

Loan Details

Northampton County, VA Benchmarks

FHA averages
Typical Property Value$269,500
Average Down Payment12.1%
Average Interest Rate6.415%
Effective Tax Rate0.66%
Median Tax Paid$1,807/yr
Tax Growth (Historical)+3.8%
Based on 40 regional loans totaling $9,170,000 (HMDA database).
$
%

$32,610 down · $236,891 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$148 / month

$

Annual premium

$

Per month

%

$100 / month

Estimated Monthly Payment

$1,910/mo

  • Principal & Interest$1,511
  • Property Tax$148
  • Home Insurance$150
  • FHA MIP$100
Amortization · Remaining Balance

Financed Loan Amount

$241,036

Total Interest

$302,871

Total of Payments

$543,907

*Includes financed FHA Upfront MIP of $4,146

Local Market Insights

Northampton County FHA Mortgage Overview

With a 12.08% down payment on the average $269,500 property, Northampton County FHA buyers access the market with lower upfront cash. However, this FHA loan requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of the 87.92% LTV. The 0.66% effective property tax rate and recent 3.8% inflation-adjusted increase add roughly $60 monthly, impacting true affordability. For those evaluating an FHA loan calculator with PMI and taxes in Northampton County, VA, this data confirms a stable owner-occupied market (100% primary residency) ideal for buyers with sub-620 credit.

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.