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Waushara County FHA Loan Calculator

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

Waushara County, WI Benchmarks

FHA averages
Typical Property Value$237,024
Average Down Payment14.9%
Average Interest Rate6.484%
Effective Tax Rate1.11%
$
%

$35,317 down · $201,707 financed

Estimated Monthly Payment

$1,749/mo

  • Principal & Interest$1,295
  • Property Tax$219
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$205,237

Total Interest

$260,797

Total of Payments

$466,035

*Includes financed FHA Upfront MIP of $3,530

Local Market Insights

Waushara County FHA Mortgage Overview

In Waushara County, the typical FHA borrower puts down 14.95%, resulting in an 85.05% loan-to-value ratio. While this lower down payment aids market entry, FHA rules mandate Mortgage Insurance Premiums (MIP) for the loan's entire term, regardless of equity built. The effective 1.11% property tax rate, coupled with a recent -2.8% inflation-adjusted tax decrease, slightly offsets monthly carrying costs for primary residences. When evaluating an FHA loan with PMI and taxes in Waushara County, WI, this tax relief improves true affordability, though MIP remains a permanent fixture in your payment structure.

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.