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Hawaii County FHA Loan Calculator

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

Loan Details

Hawaii County, HI Benchmarks

FHA averages
Typical Property Value$442,919
Average Down Payment13.2%
Average Interest Rate6.293%
Effective Tax Rate0.35%
Median Tax Paid$1,459/yr
Tax Growth (Historical)+1.7%
Based on 346 regional loans totaling $127,540,000 (HMDA database).
$
%

$58,465 down · $384,454 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$129 / month

$

Annual premium

$

Per month

%

$163 / month

Estimated Monthly Payment

$2,861/mo

  • Principal & Interest$2,419
  • Property Tax$129
  • Home Insurance$150
  • FHA MIP$163
Amortization · Remaining Balance

Financed Loan Amount

$391,182

Total Interest

$479,571

Total of Payments

$870,753

*Includes financed FHA Upfront MIP of $6,728

Local Market Insights

Hawaii County FHA Mortgage Overview

For Hawaii County homebuyers utilizing an FHA loan, the 13.17% average down payment provides accessible entry, but note that FHA requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan due to the 86.83% loan-to-value ratio. This data reflects 100% primary residences. The 6.293% average interest rate, combined with a 0.35% effective property tax rate and a 1.7% inflation-adjusted tax increase, impacts monthly affordability. When evaluating an FHA loan down payment in Hawaii County, HI, remember MIP is permanent, making this option ideal for buyers with sub-620 credit scores. Always consider Hawaii County FHA loan limits and property taxes when assessing true costs.

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.