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Routt County FHA Loan Calculator

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

Loan Details

Routt County, CO Benchmarks

FHA averages
Typical Property Value$648,333
Average Down Payment14.5%
Average Interest Rate6.155%
Effective Tax Rate0.28%
Median Tax Paid$2,736/yr
Tax Growth (Historical)+6.6%
Based on 27 regional loans totaling $13,515,000 (HMDA database).
$
%

$94,008 down · $554,325 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$151 / month

$

Annual premium

$

Per month

%

$235 / month

Estimated Monthly Payment

$3,976/mo

  • Principal & Interest$3,440
  • Property Tax$151
  • Home Insurance$150
  • FHA MIP$235
Amortization · Remaining Balance

Financed Loan Amount

$564,025

Total Interest

$674,322

Total of Payments

$1,238,347

*Includes financed FHA Upfront MIP of $9,701

Local Market Insights

Routt County FHA Mortgage Overview

For Routt County homebuyers using an FHA loan, the 14.46% average down payment provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) remain for the loan's life regardless of equity, as reflected in the 85.54% median LTV. This structure suits buyers with sub-620 credit scores exploring FHA loan limits and tax considerations. The low 0.28% effective property tax rate is favorable, though the 6.6% inflation-adjusted increase modestly raises true monthly affordability. Given 100% primary occupancy, this data reflects standard owner-occupied purchases, 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.