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Moffat County FHA Loan Calculator

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

Loan Details

Moffat County, CO Benchmarks

FHA averages
Typical Property Value$313,942
Average Down Payment6.9%
Average Interest Rate6.329%
Effective Tax Rate0.52%
Median Tax Paid$1,146/yr
Tax Growth (Historical)-1.5%
Based on 105 regional loans totaling $30,175,000 (HMDA database).
$
%

$21,662 down · $292,280 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$136 / month

$

Annual premium

$

Per month

%

$124 / month

Estimated Monthly Payment

$2,257/mo

  • Principal & Interest$1,847
  • Property Tax$136
  • Home Insurance$150
  • FHA MIP$124
Amortization · Remaining Balance

Financed Loan Amount

$297,395

Total Interest

$367,386

Total of Payments

$664,781

*Includes financed FHA Upfront MIP of $5,115

Local Market Insights

Moffat County FHA Mortgage Overview

For Moffat County homebuyers using an FHA loan, the 6.94% average down payment offers accessible entry, but the 93.06% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life. This is ideal for those with sub-620 credit, though it elevates monthly obligations. The effective property tax rate is a manageable 0.52%, and the recent -1.5% inflation-adjusted tax shift slightly eases true monthly affordability. When using an FHA mortgage analysis with property taxes, remember MIP is permanent, unlike conventional PMI. All data reflects owner-occupied primary residences, not investments.

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.