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Orange County FHA Loan Calculator

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

Loan Details

Orange County, VT Benchmarks

FHA averages
Typical Property Value$314,138
Average Down Payment19.6%
Average Interest Rate6.474%
Effective Tax Rate1.53%
Median Tax Paid$4,516/yr
Tax Growth (Historical)-0.4%
Based on 58 regional loans totaling $13,530,000 (HMDA database).
$
%

$61,571 down · $252,567 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$401 / month

$

Annual premium

$

Per month

%

$107 / month

Estimated Monthly Payment

$2,277/mo

  • Principal & Interest$1,619
  • Property Tax$401
  • Home Insurance$150
  • FHA MIP$107
Amortization · Remaining Balance

Financed Loan Amount

$256,987

Total Interest

$325,949

Total of Payments

$582,935

*Includes financed FHA Upfront MIP of $4,420

Local Market Insights

Orange County FHA Mortgage Overview

For Orange County homebuyers exploring an FHA loan, the 19.55% weighted average down payment on a median property value of $314,138 significantly exceeds the standard 3.5% minimum. This higher equity stake reduces the loan amount but does not eliminate mandatory Mortgage Insurance Premiums (MIP), which persist for the loan’s life regardless of the 80.45% loan-to-value (LTV) ratio. With a 6.474% interest rate, the 1.53% effective property tax rate adds roughly $400 monthly to principal and interest. The recent -0.4% inflation-adjusted tax change offers slight relief, yet true affordability hinges on factoring in permanent MIP costs when assessing an FHA mortgage with property taxes.

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.