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Fremont County FHA Loan Calculator

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

Loan Details

Fremont County, CO Benchmarks

FHA averages
Typical Property Value$333,051
Average Down Payment10.4%
Average Interest Rate6.333%
Effective Tax Rate0.36%
Median Tax Paid$1,175/yr
Tax Growth (Historical)+5.4%
Based on 277 regional loans totaling $79,955,000 (HMDA database).
$
%

$34,637 down · $298,414 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$100 / month

$

Annual premium

$

Per month

%

$127 / month

Estimated Monthly Payment

$2,262/mo

  • Principal & Interest$1,885
  • Property Tax$100
  • Home Insurance$150
  • FHA MIP$127
Amortization · Remaining Balance

Financed Loan Amount

$303,636

Total Interest

$375,096

Total of Payments

$678,732

*Includes financed FHA Upfront MIP of $5,222

Local Market Insights

Fremont County FHA Mortgage Overview

Fremont County’s FHA market reveals accessible entry via a 10.40% down payment on an average $333,051 property. However, with a high 89.60% LTV ratio, mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life, a key factor for those using an FHA loan down payment approach. The low 0.36% property tax rate is a benefit, but the 5.4% inflation-adjusted increase raises true monthly costs—essential data for any Fremont County FHA mortgage analysis with property taxes. This data, reflecting 100% owner-occupied buyers, shows that while FHA loan limits in Fremont County favor lower credit scores, the permanent MIP makes long-term affordability a critical consideration.

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.