Golden Valley County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Golden Valley County, MT Benchmarks

FHA averages

Typical Property Value$325,000

Average Down Payment3.5%

Average Interest Rate7.250%

Effective Tax Rate0.36%

Median Tax Paid$1,132/yr

Tax Growth (Historical)+5.8%

Based on 1 regional loans totaling $315,000 (HMDA database).

Home Price

Down Payment

$11,375 down · $313,625 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

$98 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$146 / month

Estimated Monthly Payment

$2,571/mo

Principal & Interest$2,177
Property Tax$98
Home Insurance$150
FHA MIP$146

Amortization · Remaining Balance

Financed Loan Amount

$319,113

Total Interest

$464,576

Total of Payments

$783,690

*Includes financed FHA Upfront MIP of $5,488

Local Market Insights

Golden Valley County FHA Mortgage Overview

In Golden Valley County, FHA loans with a 3.50% down payment provide accessible entry, but the 96.50% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the loan’s life—ideal for buyers with sub-620 credit scores. This owner-occupied market sees an average property value of $325,000 at a 7.250% interest rate. The effective property tax rate of 0.36% is low, but the recent 5.8% inflation-adjusted tax shift will modestly increase monthly costs. When evaluating an FHA loan with PMI and taxes in Golden Valley County, MT, or assessing Golden Valley County FHA loan limits and tax impacts, this combination offers affordability but requires accounting for permanent 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.