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Cleveland County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Cleveland County, Arkansas based on real HMDA transaction records.

Loan Details

Cleveland County, AR Benchmarks

FHA averages
Typical Property Value$204,615
Average Down Payment13.2%
Average Interest Rate6.280%
Effective Tax Rate0.54%
Median Tax Paid$667/yr
Tax Growth (Historical)-9.6%
Based on 26 regional loans totaling $4,400,000 (HMDA database).
$
%

$27,009 down · $177,606 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$92 / month

$

Annual premium

$

Per month

%

$75 / month

Estimated Monthly Payment

$1,434/mo

  • Principal & Interest$1,116
  • Property Tax$92
  • Home Insurance$150
  • FHA MIP$75
Amortization · Remaining Balance

Financed Loan Amount

$180,714

Total Interest

$221,124

Total of Payments

$401,837

*Includes financed FHA Upfront MIP of $3,108

Local Market Insights

Cleveland County FHA Mortgage Overview

In Cleveland County, the 13.16% average down payment on an FHA loan provides accessible entry despite mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for buyers with sub-620 credit. With an 86.84% loan-to-value ratio, this data confirms 100% primary occupancy, not investment properties. The 0.54% effective property tax rate, with a -9.6% inflation-adjusted shift, lowers true monthly costs. For those using an FHA loan calculator with PMI and taxes in Cleveland County, AR, or an FHA loan down payment calculator in Cleveland County, Arkansas, these trends highlight affordability, though the 6.28% average rate demands careful budgeting.

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.