Clallam County FHA Loan Calculator

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

Loan Details

Baseline

Rates

Taxes & Ins.

DTI

US County (Smart Autofill)

Loan Type

Credit Score (FICO)

Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Clallam County, WA Benchmarks

FHA averages

Typical Property Value$404,502

Average Down Payment11.3%

Average Interest Rate6.381%

Effective Tax Rate0.68%

Home Price

Down Payment

$45,709 down · $358,793 financed

Estimated Monthly Payment

$2,810/mo

Principal & Interest$2,279
Property Tax$229
Home Insurance$150
FHA MIP$152

Amortization · Remaining Balance

Financed Loan Amount

$365,072

Total Interest

$455,285

Total of Payments

$820,357

*Includes financed FHA Upfront MIP of $6,279

Local Market Insights

Clallam County FHA Mortgage Overview

In Clallam County, the 11.35% average down payment on an FHA loan provides accessible entry for owner-occupants, but the 88.65% Loan-to-Value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, regardless of equity. This is ideal for buyers with sub-620 credit seeking primary residence financing. With an average property value of $404,502.49 and a 6.381% rate, the effective 0.68% property tax rate, adjusted upward by 3.4% for inflation, adds modestly to monthly obligations. For accurate projections, consider an FHA loan calculator with PMI and taxes in Clallam County, WA, to capture the full cost of this market.

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.