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Adams County FHA Loan Calculator

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

Loan Details

Adams County, CO Benchmarks

FHA averages
Typical Property Value$501,189
Average Down Payment7.4%
Average Interest Rate5.732%
Effective Tax Rate0.66%
Median Tax Paid$2,962/yr
Tax Growth (Historical)+3.7%
Based on 3,860 regional loans totaling $1,769,160,000 (HMDA database).
$
%

$37,088 down · $464,101 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$276 / month

$

Annual premium

$

Per month

%

$197 / month

Estimated Monthly Payment

$3,372/mo

  • Principal & Interest$2,750
  • Property Tax$276
  • Home Insurance$150
  • FHA MIP$197
Amortization · Remaining Balance

Financed Loan Amount

$472,223

Total Interest

$517,693

Total of Payments

$989,916

*Includes financed FHA Upfront MIP of $8,122

Local Market Insights

Adams County FHA Mortgage Overview

For Adams County homebuyers, the 7.36% down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan regardless of equity. With a 92.64% Loan-to-Value ratio and 100% primary occupancy, this data reflects standard owner-occupied purchases. The effective property tax rate of 0.66% is moderate, though the 3.7% inflation-adjusted tax change will slightly increase monthly costs. When evaluating an Adams County FHA mortgage with property taxes, the low down payment and 5.732% interest rate make this option ideal for buyers with sub-620 credit, but the permanent MIP offsets some affordability gains from the low tax rate.

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.