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Edwards County FHA Loan Calculator

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

Loan Details

Edwards County, KS Benchmarks

FHA averages
Typical Property Value$118,846
Average Down Payment4.8%
Average Interest Rate6.985%
Effective Tax Rate1.18%
Median Tax Paid$1,120/yr
Tax Growth (Historical)-3.3%
Based on 13 regional loans totaling $1,405,000 (HMDA database).
$
%

$5,705 down · $113,141 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$117 / month

$

Annual premium

$

Per month

%

$53 / month

Estimated Monthly Payment

$1,085/mo

  • Principal & Interest$765
  • Property Tax$117
  • Home Insurance$150
  • FHA MIP$53
Amortization · Remaining Balance

Financed Loan Amount

$115,121

Total Interest

$160,326

Total of Payments

$275,448

*Includes financed FHA Upfront MIP of $1,980

Local Market Insights

Edwards County FHA Mortgage Overview

Edwards County’s FHA market offers exceptional accessibility, with a 4.81% down payment on a $118,846 average property value. This low barrier to entry, supported by a 95.19% LTV, is ideal for buyers with sub-620 credit. However, mandatory MIP applies for the loan’s life. The 1.18% property tax rate, down 3.3% in real terms, slightly lowers monthly costs. For those using an FHA loan down payment tool in Edwards County, Kansas, remember that this tax relief improves true affordability, though MIP remains a permanent factor in your FHA mortgage and property taxes budget.

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.