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Washington County FHA Loan Calculator

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

Loan Details

Washington County, GA Benchmarks

FHA averages
Typical Property Value$213,103
Average Down Payment11.6%
Average Interest Rate6.238%
Effective Tax Rate0.85%
Median Tax Paid$1,127/yr
Tax Growth (Historical)-13.8%
Based on 58 regional loans totaling $10,660,000 (HMDA database).
$
%

$24,720 down · $188,383 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$151 / month

$

Annual premium

$

Per month

%

$80 / month

Estimated Monthly Payment

$1,560/mo

  • Principal & Interest$1,179
  • Property Tax$151
  • Home Insurance$150
  • FHA MIP$80
Amortization · Remaining Balance

Financed Loan Amount

$191,680

Total Interest

$232,745

Total of Payments

$424,425

*Includes financed FHA Upfront MIP of $3,297

Local Market Insights

Washington County FHA Mortgage Overview

Washington County’s FHA market shows accessible entry with an 11.58% down payment on a $213,103 average property, ideal for buyers with sub-620 credit. However, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life due to the 88.42% loan-to-value ratio. The 0.85% property tax rate is moderate, and the recent -13.8% inflation-adjusted tax shift improves true monthly affordability. For those analyzing a Washington County FHA loan with PMI and taxes, this data reflects 100% owner-occupied purchases, not investments. Local FHA loan limits and tax impacts make this a stable, cost-conscious market for first-time buyers.

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.