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Grant County FHA Loan Calculator

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

Loan Details

Grant County, WA Benchmarks

FHA averages
Typical Property Value$362,249
Average Down Payment8.3%
Average Interest Rate6.278%
Effective Tax Rate0.74%
Median Tax Paid$2,339/yr
Tax Growth (Historical)0.0%
Based on 470 regional loans totaling $151,090,000 (HMDA database).
$
%

$30,067 down · $332,182 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$223 / month

$

Annual premium

$

Per month

%

$141 / month

Estimated Monthly Payment

$2,602/mo

  • Principal & Interest$2,088
  • Property Tax$223
  • Home Insurance$150
  • FHA MIP$141
Amortization · Remaining Balance

Financed Loan Amount

$337,996

Total Interest

$413,575

Total of Payments

$751,571

*Includes financed FHA Upfront MIP of $5,813

Local Market Insights

Grant County FHA Mortgage Overview

For Grant County homebuyers, the 8.30% average down payment with an FHA loan provides accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. The 91.70% Loan-to-Value ratio confirms this is a low-equity, owner-occupied market—ideal for those with sub-620 credit. At a 6.278% rate, the 0.74% property tax rate and 0.0% inflation-adjusted shift keep monthly costs stable. When using a Grant County FHA loan down payment tool with PMI and taxes, note that MIP cannot be canceled, making long-term affordability key.

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.