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Dougherty County FHA Loan Calculator

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

Loan Details

Dougherty County, GA Benchmarks

FHA averages
Typical Property Value$207,812
Average Down Payment9.5%
Average Interest Rate6.328%
Effective Tax Rate1.20%
Median Tax Paid$1,781/yr
Tax Growth (Historical)-4.0%
Based on 313 regional loans totaling $58,005,000 (HMDA database).
$
%

$19,742 down · $188,070 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$208 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,626/mo

  • Principal & Interest$1,188
  • Property Tax$208
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$191,361

Total Interest

$236,397

Total of Payments

$427,758

*Includes financed FHA Upfront MIP of $3,291

Local Market Insights

Dougherty County FHA Mortgage Overview

Dougherty County homebuyers utilizing FHA loans benefit from the accessible 9.46% average down payment, significantly lowering the entry barrier. However, with a 90.54% LTV, mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, making this structure ideal for those with sub-620 credit. The effective 1.20% property tax rate, coupled with a -4.0% inflation-adjusted decrease, provides slight monthly relief. When analyzing the FHA loan down payment in Dougherty County, Georgia, remember that FHA loan limits and tax impacts, alongside MIP, are critical for true affordability for these 100% owner-occupied purchases.

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.