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Goshen County FHA Loan Calculator

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

Goshen County, WY Benchmarks

FHA averages
Typical Property Value$218,947
Average Down Payment13.5%
Average Interest Rate6.475%
Effective Tax Rate0.59%
$
%

$29,558 down · $189,389 financed

Estimated Monthly Payment

$1,552/mo

  • Principal & Interest$1,214
  • Property Tax$108
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$192,703

Total Interest

$244,415

Total of Payments

$437,118

*Includes financed FHA Upfront MIP of $3,314

Local Market Insights

Goshen County FHA Mortgage Overview

For Goshen County homebuyers, the 13.48% down payment on an FHA loan provides accessible entry, yet requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life—ideal for those with sub-620 credit. With an 86.52% loan-to-value ratio on 100% owner-occupied homes, the effective 0.59% property tax rate and recent -1.3% inflation-adjusted tax shift slightly reduce monthly costs. When evaluating an FHA loan with PMI and taxes in Goshen County, WY, or considering FHA loan limits and property taxes, this low tax environment offsets the permanent MIP burden, enhancing true affordability.

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.