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Portage County FHA Loan Calculator

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

Portage County, WI Benchmarks

FHA averages
Typical Property Value$282,283
Average Down Payment13.3%
Average Interest Rate6.546%
Effective Tax Rate1.28%
$
%

$37,544 down · $244,739 financed

Estimated Monthly Payment

$2,137/mo

  • Principal & Interest$1,582
  • Property Tax$301
  • Home Insurance$150
  • FHA MIP$104
Amortization · Remaining Balance

Financed Loan Amount

$249,022

Total Interest

$320,565

Total of Payments

$569,588

*Includes financed FHA Upfront MIP of $4,283

Local Market Insights

Portage County FHA Mortgage Overview

Portage County’s FHA market shows a 13.25% down payment, well above the 3.5% minimum, yet the 86.75% LTV means mandatory MIP lasts the loan’s life—ideal for buyers with sub-620 credit. With a 6.546% interest rate on a $282,283 property, the effective 1.28% tax rate adds $3,013 annually, but the -0.3% inflation-adjusted tax change offers slight relief. For an FHA loan with PMI and taxes in Portage County, WI, this structure keeps entry accessible despite permanent MIP. All buyers are owner-occupied, reducing risk.

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.