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San Juan County FHA Loan Calculator

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

Loan Details
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

San Juan County, WA Benchmarks

FHA averages
Typical Property Value$660,556
Average Down Payment28.0%
Average Interest Rate6.032%
Effective Tax Rate0.53%
$
%

$184,956 down · $475,600 financed

Estimated Monthly Payment

$3,554/mo

  • Principal & Interest$2,911
  • Property Tax$292
  • Home Insurance$150
  • FHA MIP$202
Amortization · Remaining Balance

Financed Loan Amount

$483,923

Total Interest

$563,931

Total of Payments

$1,047,854

*Includes financed FHA Upfront MIP of $8,323

Local Market Insights

San Juan County FHA Mortgage Overview

In San Juan County, an FHA loan with a 28.03% down payment on a $660,556 property provides accessible entry despite requiring mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, ideal for buyers with sub-620 credit. The 71.97% LTV ratio confirms strong equity, but MIP persists. The 0.53% effective tax rate and -0.1% inflation-adjusted decrease slightly boost monthly affordability. For accurate projections, explore an FHA loan calculator with PMI and taxes in San Juan County, WA, or a San Juan County FHA mortgage calculator with property taxes to assess total costs.

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.