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Cuming County FHA Loan Calculator

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

Loan Details

Cuming County, NE Benchmarks

FHA averages
Typical Property Value$232,692
Average Down Payment15.5%
Average Interest Rate6.396%
Effective Tax Rate1.13%
Median Tax Paid$1,784/yr
Tax Growth (Historical)-4.7%
Based on 13 regional loans totaling $2,425,000 (HMDA database).
$
%

$36,067 down · $196,625 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$219 / month

$

Annual premium

$

Per month

%

$83 / month

Estimated Monthly Payment

$1,704/mo

  • Principal & Interest$1,251
  • Property Tax$219
  • Home Insurance$150
  • FHA MIP$83
Amortization · Remaining Balance

Financed Loan Amount

$200,066

Total Interest

$250,446

Total of Payments

$450,512

*Includes financed FHA Upfront MIP of $3,441

Local Market Insights

Cuming County FHA Mortgage Overview

For Cuming County homebuyers, the 15.51% down payment on an FHA loan provides accessible entry, but this loan type requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life, regardless of equity. The 84.49% LTV ratio confirms this is a standard owner-occupied purchase. With an effective property tax rate of 1.13% and a recent -4.7% inflation-adjusted tax decrease, monthly affordability improves slightly. When analyzing an FHA loan calculator with PMI and taxes in Cuming County, NE, remember the MIP is permanent—ideal for those with sub-620 credit. For a full picture, review Cuming County FHA loan limits and tax calculator data to estimate your true monthly obligation.

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.