Maui County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Maui County, HI Benchmarks

FHA averages

Typical Property Value$835,323

Average Down Payment12.8%

Average Interest Rate6.022%

Effective Tax Rate0.22%

Median Tax Paid$1,466/yr

Tax Growth (Historical)-1.4%

Based on 186 regional loans totaling $125,710,000 (HMDA database).

Home Price

Down Payment

$106,921 down · $728,402 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

$153 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$309 / month

Estimated Monthly Payment

$5,065/mo

Principal & Interest$4,453
Property Tax$153
Home Insurance$150
FHA MIP$309

Amortization · Remaining Balance

Financed Loan Amount

$741,149

Total Interest

$861,966

Total of Payments

$1,603,114

*Includes financed FHA Upfront MIP of $12,747

Local Market Insights

Maui County FHA Mortgage Overview

In Maui County, the 12.76% average down payment on FHA loans provides accessible entry for owner-occupants, but the mandatory Mortgage Insurance Premium (MIP) is required for the life of the loan—critical for buyers with sub-620 credit scores considering an FHA loan with PMI and taxes in Maui County, HI. The 87.24% loan-to-value ratio confirms minimal equity, so MIP cannot be canceled. With a 0.22% effective property tax rate and a -1.4% inflation-adjusted decrease, monthly affordability improves slightly. For Maui County FHA loan limits and tax planning, this low tax burden offsets the permanent MIP cost.

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.