Guam FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Guam, GU Benchmarks

FHA averages

Typical Property Value$407,927

Average Down Payment6.0%

Average Interest Rate6.382%

Effective Tax Rate%

Median Tax PaidN/A

Tax Growth (Historical)%

Based on 41 regional loans totaling $15,935,000 (HMDA database).

Home Price

Down Payment

$24,476 down · $383,451 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$374 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$163 / month

Estimated Monthly Payment

$3,122/mo

Principal & Interest$2,435
Property Tax$374
Home Insurance$150
FHA MIP$163

Amortization · Remaining Balance

Financed Loan Amount

$390,162

Total Interest

$486,574

Total of Payments

$876,736

*Includes financed FHA Upfront MIP of $6,710

Local Market Insights

Guam FHA Mortgage Overview

The weighted average down payment of 5.96% on these FHA-backed loans in Guam underscores accessible entry, as the mandatory Mortgage Insurance Premium (MIP) is required for the life of the loan given the 94.04% median loan-to-value ratio. This structure is ideal for buyers with sub-620 credit scores seeking primary residences. With an average property value of $407,926.83 and a 6.382% interest rate, true monthly affordability hinges on MIP costs, as local property tax data is unavailable for this analysis. For Guam FHA loan limits and tax impacts, this data confirms standard owner-occupied purchasing, not investment activity.

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.