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Washington County FHA Loan Calculator

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

Loan Details

Washington County, AR Benchmarks

FHA averages
Typical Property Value$316,041
Average Down Payment8.2%
Average Interest Rate6.014%
Effective Tax Rate0.55%
Median Tax Paid$1,564/yr
Tax Growth (Historical)+3.6%
Based on 999 regional loans totaling $285,575,000 (HMDA database).
$
%

$25,915 down · $290,126 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$145 / month

$

Annual premium

$

Per month

%

$123 / month

Estimated Monthly Payment

$2,190/mo

  • Principal & Interest$1,772
  • Property Tax$145
  • Home Insurance$150
  • FHA MIP$123
Amortization · Remaining Balance

Financed Loan Amount

$295,203

Total Interest

$342,641

Total of Payments

$637,844

*Includes financed FHA Upfront MIP of $5,077

Local Market Insights

Washington County FHA Mortgage Overview

For Washington County homebuyers, an 8.24% FHA down payment on a $316,041 property provides accessible entry but mandates Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. The 91.76% LTV ratio and 100% primary occupancy confirm this is for owner-occupied buyers, often with sub-620 credit. The effective 0.55% property tax rate, with a 3.6% inflation-adjusted increase, adds roughly $145 monthly to true affordability. An FHA loan calculator with PMI and taxes in Washington County, AR, or an FHA mortgage calculator with property taxes, will show these costs. For precise budgeting, explore Washington County FHA loan limits and tax calculators.

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.