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Columbia County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Columbia County, Wisconsin 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

Columbia County, WI Benchmarks

FHA averages
Typical Property Value$307,451
Average Down Payment13.8%
Average Interest Rate6.422%
Effective Tax Rate1.27%
$
%

$42,428 down · $265,023 financed

Estimated Monthly Payment

$2,278/mo

  • Principal & Interest$1,690
  • Property Tax$325
  • Home Insurance$150
  • FHA MIP$112
Amortization · Remaining Balance

Financed Loan Amount

$269,661

Total Interest

$338,839

Total of Payments

$608,499

*Includes financed FHA Upfront MIP of $4,638

Local Market Insights

Columbia County FHA Mortgage Overview

For Columbia County homebuyers using an FHA loan, the 13.78% average down payment provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, regardless of equity. This is ideal for those with sub-620 credit scores. The 86.22% loan-to-value ratio confirms a low-risk, owner-occupied market (100% primary residences). With a 6.422% interest rate and a 1.27% property tax rate, monthly affordability is eased by a recent -2.3% inflation-adjusted tax decrease. When evaluating your FHA loan down payment options in Columbia County, WI, remember MIP and taxes are permanent fixtures.

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.