Larimer County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Larimer County, CO Benchmarks

FHA averages

Typical Property Value$497,782

Average Down Payment9.7%

Average Interest Rate5.850%

Effective Tax Rate0.52%

Median Tax Paid$2,832/yr

Tax Growth (Historical)+3.2%

Based on 985 regional loans totaling $426,835,000 (HMDA database).

Home Price

Down Payment

$48,285 down · $449,497 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$216 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$191 / month

Estimated Monthly Payment

$3,254/mo

Principal & Interest$2,698
Property Tax$216
Home Insurance$150
FHA MIP$191

Amortization · Remaining Balance

Financed Loan Amount

$457,363

Total Interest

$513,979

Total of Payments

$971,342

*Includes financed FHA Upfront MIP of $7,866

Local Market Insights

Larimer County FHA Mortgage Overview

Larimer County’s FHA market reveals a deliberate path to homeownership. With a 9.69% down payment on a $497,782 average property, buyers enjoy accessible entry. However, the 90.31% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for those with sub-620 credit. The effective property tax rate of 0.52% and a 3.2% inflation-adjusted tax shift add roughly $30 monthly to true affordability. For Larimer County FHA loan limits and tax analysis, this data confirms a primary-occupancy market where down payment and tax impacts shape monthly 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.