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Stafford County FHA Loan Calculator

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

Loan Details

Stafford County, VA Benchmarks

FHA averages
Typical Property Value$526,576
Average Down Payment9.0%
Average Interest Rate6.152%
Effective Tax Rate0.67%
Median Tax Paid$3,410/yr
Tax Growth (Historical)+0.2%
Based on 609 regional loans totaling $288,505,000 (HMDA database).
$
%

$47,392 down · $479,184 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$294 / month

$

Annual premium

$

Per month

%

$203 / month

Estimated Monthly Payment

$3,618/mo

  • Principal & Interest$2,970
  • Property Tax$294
  • Home Insurance$150
  • FHA MIP$203
Amortization · Remaining Balance

Financed Loan Amount

$487,570

Total Interest

$581,779

Total of Payments

$1,069,349

*Includes financed FHA Upfront MIP of $8,386

Local Market Insights

Stafford County FHA Mortgage Overview

Stafford County's FHA buyers leverage an 8.96% down payment on a $526,576 average property, providing accessible entry. However, with a 91.04% LTV, mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, making this ideal for those with sub-620 credit. The 0.67% effective property tax rate, recently adjusted 0.2% for inflation, adds a predictable monthly cost. When evaluating Stafford County FHA mortgage options with property taxes, remember MIP is permanent, unlike conventional loans. This data, reflecting 100% primary residences, helps buyers using an FHA loan down payment analysis in Stafford County, Virginia, understand true 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.