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Washington County FHA Loan Calculator

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

Loan Details

Washington County, VT Benchmarks

FHA averages
Typical Property Value$349,875
Average Down Payment16.7%
Average Interest Rate6.351%
Effective Tax Rate1.64%
Median Tax Paid$5,498/yr
Tax Growth (Historical)-2.9%
Based on 80 regional loans totaling $22,310,000 (HMDA database).
$
%

$58,429 down · $291,446 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$478 / month

$

Annual premium

$

Per month

%

$124 / month

Estimated Monthly Payment

$2,597/mo

  • Principal & Interest$1,845
  • Property Tax$478
  • Home Insurance$150
  • FHA MIP$124
Amortization · Remaining Balance

Financed Loan Amount

$296,546

Total Interest

$367,732

Total of Payments

$664,278

*Includes financed FHA Upfront MIP of $5,100

Local Market Insights

Washington County FHA Mortgage Overview

In Washington County, Vermont, the 16.74% average down payment on FHA loans signals accessible entry for buyers, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, regardless of equity. With an 83.26% loan-to-value ratio and 100% primary occupancy, this market suits those with sub-620 credit scores seeking stable owner-occupied financing. The effective property tax rate of 1.64%, coupled with a -2.9% inflation-adjusted tax decrease, slightly reduces monthly carrying costs, improving affordability for an FHA loan with PMI and taxes in Washington County, VT.

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.