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Boulder County FHA Loan Calculator

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

Loan Details

Boulder County, CO Benchmarks

FHA averages
Typical Property Value$597,508
Average Down Payment12.3%
Average Interest Rate5.889%
Effective Tax Rate0.52%
Median Tax Paid$3,998/yr
Tax Growth (Historical)+1.5%
Based on 317 regional loans totaling $158,085,000 (HMDA database).
$
%

$73,493 down · $524,015 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$259 / month

$

Annual premium

$

Per month

%

$222 / month

Estimated Monthly Payment

$3,790/mo

  • Principal & Interest$3,159
  • Property Tax$259
  • Home Insurance$150
  • FHA MIP$222
Amortization · Remaining Balance

Financed Loan Amount

$533,185

Total Interest

$604,092

Total of Payments

$1,137,277

*Includes financed FHA Upfront MIP of $9,170

Local Market Insights

Boulder County FHA Mortgage Overview

For Boulder County homebuyers utilizing an FHA loan, the 12.34% average down payment on a $597,508 property provides accessible entry, but mandates Mortgage Insurance Premiums (MIP) for the life of the loan due to the 87.66% loan-to-value ratio. This is ideal for those with sub-620 credit scores seeking primary residences. The 0.52% effective property tax rate, adjusted upward by 1.5% for inflation, directly impacts monthly affordability. When evaluating an FHA loan with PMI and taxes in Boulder County, CO, remember the down payment is lower than conventional standards, but the MIP is permanent. Understanding these FHA loan limits and tax impacts is crucial for accurate budgeting in this market.

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.