Gentry County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Gentry County, MO Benchmarks

FHA averages

Typical Property Value$157,353

Average Down Payment11.3%

Average Interest Rate6.381%

Effective Tax Rate0.74%

Median Tax Paid$1,249/yr

Tax Growth (Historical)-4.4%

Based on 17 regional loans totaling $2,325,000 (HMDA database).

Home Price

Down Payment

$17,781 down · $139,572 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

$97 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$59 / month

Estimated Monthly Payment

$1,193/mo

Principal & Interest$886
Property Tax$97
Home Insurance$150
FHA MIP$59

Amortization · Remaining Balance

Financed Loan Amount

$142,015

Total Interest

$177,108

Total of Payments

$319,122

*Includes financed FHA Upfront MIP of $2,443

Local Market Insights

Gentry County FHA Mortgage Overview

In Gentry County, the average 11.31% down payment on an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of equity. With an 88.69% Loan-to-Value (LTV) ratio and 100% owner-occupied status, this data reflects standard homebuyers rather than investors. The 0.74% effective property tax rate, combined with a -4.4% inflation-adjusted tax decline, slightly improves true monthly affordability for Gentry County FHA mortgage costs. When evaluating an FHA loan down payment with taxes in Gentry County, Missouri, note that the 6.381% interest rate and MIP create a fixed monthly obligation, ideal for buyers with sub-620 credit seeking predictable Gentry County FHA loan limits.

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.