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Dodge County FHA Loan Calculator

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

Dodge County, WI Benchmarks

FHA averages
Typical Property Value$282,500
Average Down Payment11.7%
Average Interest Rate6.530%
Effective Tax Rate1.22%
$
%

$33,053 down · $249,448 financed

Estimated Monthly Payment

$2,152/mo

  • Principal & Interest$1,609
  • Property Tax$287
  • Home Insurance$150
  • FHA MIP$106
Amortization · Remaining Balance

Financed Loan Amount

$253,813

Total Interest

$325,528

Total of Payments

$579,341

*Includes financed FHA Upfront MIP of $4,365

Local Market Insights

Dodge County FHA Mortgage Overview

For Dodge County homebuyers, the 11.68% average down payment on an FHA loan provides accessible entry, but the mandatory Mortgage Insurance Premium (MIP) applies for the entire loan term due to the 88.32% Loan-to-Value ratio. This structure is ideal for those with sub-620 credit scores seeking a primary residence. The effective property tax rate of 1.22% adds significant monthly cost, though a recent -2.2% inflation-adjusted tax shift offers slight relief. When evaluating a Dodge County FHA mortgage with property taxes, remember the MIP is permanent, unlike conventional loans. Understanding these Dodge County FHA loan limits and tax impacts is crucial for accurate monthly affordability planning.

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.