Dawes County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Dawes County, NE Benchmarks

FHA averages

Typical Property Value$182,857

Average Down Payment11.4%

Average Interest Rate6.362%

Effective Tax Rate1.21%

Median Tax Paid$2,183/yr

Tax Growth (Historical)+7.5%

Based on 14 regional loans totaling $2,210,000 (HMDA database).

Home Price

Down Payment

$20,846 down · $162,011 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

$184 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$69 / month

Estimated Monthly Payment

$1,430/mo

Principal & Interest$1,027
Property Tax$184
Home Insurance$150
FHA MIP$69

Amortization · Remaining Balance

Financed Loan Amount

$164,846

Total Interest

$204,805

Total of Payments

$369,652

*Includes financed FHA Upfront MIP of $2,835

Local Market Insights

Dawes County FHA Mortgage Overview

In Dawes County, the 11.43% weighted average down payment on FHA loans provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 88.57% loan-to-value ratio. This data, reflecting 100% primary residences, is ideal for buyers with sub-620 credit. The effective property tax rate of 1.21%, combined with a recent 7.5% inflation-adjusted tax shift, increases true monthly affordability costs. When evaluating a Dawes County FHA loan with PMI and taxes, this tax trend must be factored into long-term budgeting alongside 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.