Newton County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Newton County, AR Benchmarks

FHA averages

Typical Property Value$250,789

Average Down Payment19.2%

Average Interest Rate6.030%

Effective Tax Rate0.46%

Median Tax Paid$649/yr

Tax Growth (Historical)-13.6%

Based on 19 regional loans totaling $3,345,000 (HMDA database).

Home Price

Down Payment

$48,151 down · $202,638 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$96 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$86 / month

Estimated Monthly Payment

$1,572/mo

Principal & Interest$1,240
Property Tax$96
Home Insurance$150
FHA MIP$86

Amortization · Remaining Balance

Financed Loan Amount

$206,184

Total Interest

$240,272

Total of Payments

$446,456

*Includes financed FHA Upfront MIP of $3,546

Local Market Insights

Newton County FHA Mortgage Overview

Newton County homebuyers using FHA loans benefit from a low 19.20% down payment, providing accessible entry despite mandatory Mortgage Insurance Premiums (MIP) for the loan’s life. With an 80.80% loan-to-value ratio, the 6.030% rate on a $250,789 property is manageable. The 0.46% effective property tax rate, down 13.6% inflation-adjusted, boosts monthly affordability. This data reflects 100% owner-occupied purchases, ideal for those exploring Newton County FHA loan limits with PMI and taxes.

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.