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Lumpkin County FHA Loan Calculator

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

Loan Details

Lumpkin County, GA Benchmarks

FHA averages
Typical Property Value$353,280
Average Down Payment14.2%
Average Interest Rate6.219%
Effective Tax Rate0.64%
Median Tax Paid$1,989/yr
Tax Growth (Historical)+1.1%
Based on 157 regional loans totaling $45,875,000 (HMDA database).
$
%

$50,166 down · $303,114 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$188 / month

$

Annual premium

$

Per month

%

$129 / month

Estimated Monthly Payment

$2,360/mo

  • Principal & Interest$1,893
  • Property Tax$188
  • Home Insurance$150
  • FHA MIP$129
Amortization · Remaining Balance

Financed Loan Amount

$308,419

Total Interest

$373,052

Total of Payments

$681,471

*Includes financed FHA Upfront MIP of $5,304

Local Market Insights

Lumpkin County FHA Mortgage Overview

Lumpkin County’s FHA market shows an average down payment of 14.18% and an 85.82% LTV ratio, offering accessible entry for buyers. However, with FHA loans, mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of this down payment level, making this ideal for buyers with sub-620 credit. The 0.64% effective property tax rate, with a 1.1% inflation-adjusted increase, adds roughly $31 monthly on the average $353,280 property. When evaluating an FHA loan with PMI and taxes in Lumpkin County, GA, or using a Lumpkin County FHA mortgage tool with property taxes, remember MIP is permanent. All data reflects 100% primary occupancy, not investment properties.

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.