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Newton County FHA Loan Calculator

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

Loan Details

Newton County, MO Benchmarks

FHA averages
Typical Property Value$228,276
Average Down Payment10.0%
Average Interest Rate6.490%
Effective Tax Rate0.62%
Median Tax Paid$1,207/yr
Tax Growth (Historical)-1.8%
Based on 293 regional loans totaling $58,575,000 (HMDA database).
$
%

$22,828 down · $205,448 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$118 / month

$

Annual premium

$

Per month

%

$87 / month

Estimated Monthly Payment

$1,675/mo

  • Principal & Interest$1,320
  • Property Tax$118
  • Home Insurance$150
  • FHA MIP$87
Amortization · Remaining Balance

Financed Loan Amount

$209,044

Total Interest

$266,129

Total of Payments

$475,173

*Includes financed FHA Upfront MIP of $3,595

Local Market Insights

Newton County FHA Mortgage Overview

For Newton County homebuyers, the 9.98% average FHA down payment offers accessible entry on a $228,276 property, but mandates Mortgage Insurance Premiums (MIP) for the loan’s life regardless of equity. With a 90.02% loan-to-value ratio, this FHA structure suits those with sub-620 credit scores. The 0.62% property tax rate is modest, and the recent -1.8% inflation-adjusted tax change slightly reduces monthly costs. When evaluating an FHA loan with PMI and taxes in Newton County, MO, or considering Newton County FHA loan limits and tax impacts, this data confirms stable primary occupancy—100% of buyers purchase as their residence.

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.