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Leslie County FHA Loan Calculator

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

Loan Details

Leslie County, KY Benchmarks

FHA averages
Typical Property Value$160,200
Average Down Payment14.3%
Average Interest Rate6.578%
Effective Tax Rate0.67%
Median Tax Paid$563/yr
Tax Growth (Historical)+2.7%
Based on 25 regional loans totaling $3,275,000 (HMDA database).
$
%

$22,909 down · $137,291 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$89 / month

$

Annual premium

$

Per month

%

$58 / month

Estimated Monthly Payment

$1,188/mo

  • Principal & Interest$890
  • Property Tax$89
  • Home Insurance$150
  • FHA MIP$58
Amortization · Remaining Balance

Financed Loan Amount

$139,694

Total Interest

$180,822

Total of Payments

$320,516

*Includes financed FHA Upfront MIP of $2,403

Local Market Insights

Leslie County FHA Mortgage Overview

For Leslie County homebuyers using an FHA loan, the 14.28% average down payment offers accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life given the 85.72% LTV. This structure is ideal for those with sub-620 credit scores securing owner-occupied properties. The 0.67% effective property tax rate and recent 2.7% inflation-adjusted increase add a modest but real monthly cost to your Leslie County FHA mortgage with property taxes. Reviewing Leslie County FHA loan limits and tax impacts is essential for true affordability, as the lower down payment trades upfront savings for ongoing MIP.

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.