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Lassen County FHA Loan Calculator

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

Loan Details

Lassen County, CA Benchmarks

FHA averages
Typical Property Value$260,596
Average Down Payment8.7%
Average Interest Rate6.493%
Effective Tax Rate0.80%
Median Tax Paid$1,923/yr
Tax Growth (Historical)-0.1%
Based on 110 regional loans totaling $25,750,000 (HMDA database).
$
%

$22,672 down · $237,924 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$174 / month

$

Annual premium

$

Per month

%

$101 / month

Estimated Monthly Payment

$1,953/mo

  • Principal & Interest$1,529
  • Property Tax$174
  • Home Insurance$150
  • FHA MIP$101
Amortization · Remaining Balance

Financed Loan Amount

$242,088

Total Interest

$308,197

Total of Payments

$550,284

*Includes financed FHA Upfront MIP of $4,164

Local Market Insights

Lassen County FHA Mortgage Overview

Lassen County FHA buyers benefit from the accessible 8.67% down payment, well below the standard 20%, enabling quicker market entry. However, with a 91.33% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s full term, regardless of equity buildup. The effective property tax rate of 0.80% adds roughly $174 monthly on the average $260,596 home, slightly offset by the -0.1% inflation-adjusted tax shift, which modestly stabilizes long-term affordability. This data reflects owner-occupied purchases, not investment properties, reinforcing that FHA financing here suits buyers with sub-620 credit seeking lower upfront costs.

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.