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Blaine County FHA Loan Calculator

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

Loan Details

Blaine County, NE Benchmarks

FHA averages
Typical Property Value$75,000
Average Down Payment19.6%
Average Interest Rate%
Effective Tax Rate0.94%
Median Tax Paid$1,333/yr
Tax Growth (Historical)+6.8%
Based on 1 regional loans totaling $65,000 (HMDA database).
$
%

$14,700 down · $60,300 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$59 / month

$

Annual premium

$

Per month

%

$26 / month

Estimated Monthly Payment

$632/mo

  • Principal & Interest$398
  • Property Tax$59
  • Home Insurance$150
  • FHA MIP$26
Amortization · Remaining Balance

Financed Loan Amount

$61,355

Total Interest

$81,906

Total of Payments

$143,262

*Includes financed FHA Upfront MIP of $1,055

Local Market Insights

Blaine County FHA Mortgage Overview

For Blaine County homebuyers using an FHA loan, the 19.62% average down payment on a $75,000 property provides accessible entry, though it still requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan due to the 80.38% loan-to-value ratio. This structure is ideal for buyers with sub-620 credit scores, as it enables primary residence purchases without conventional PMI cancellation timelines. The 0.94% effective property tax rate, adjusted upward by 6.8% for inflation, adds roughly $59 monthly to true affordability. When evaluating an FHA loan with PMI and taxes in Blaine County, NE, these costs significantly impact the monthly budget for owner-occupied buyers.

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.