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Fillmore County FHA Loan Calculator

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

Loan Details

Fillmore County, NE Benchmarks

FHA averages
Typical Property Value$172,500
Average Down Payment10.0%
Average Interest Rate6.477%
Effective Tax Rate1.20%
Median Tax Paid$1,491/yr
Tax Growth (Historical)-2.3%
Based on 8 regional loans totaling $1,250,000 (HMDA database).
$
%

$17,250 down · $155,250 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$173 / month

$

Annual premium

$

Per month

%

$66 / month

Estimated Monthly Payment

$1,385/mo

  • Principal & Interest$996
  • Property Tax$173
  • Home Insurance$150
  • FHA MIP$66
Amortization · Remaining Balance

Financed Loan Amount

$157,967

Total Interest

$200,730

Total of Payments

$358,697

*Includes financed FHA Upfront MIP of $2,717

Local Market Insights

Fillmore County FHA Mortgage Overview

For Fillmore County homebuyers, the 10.04% down payment on an FHA loan indicates accessible entry, but the 89.96% LTV ratio confirms mandatory Mortgage Insurance Premiums (MIP) for the loan’s life—ideal for those with sub-620 credit. With property values averaging $172,500 and a 1.20% effective tax rate, the recent -2.3% inflation-adjusted tax shift provides slight monthly relief. When evaluating an FHA loan calculator with PMI and taxes in Fillmore County, NE, or an FHA loan down payment calculator in Fillmore County, Nebraska, remember that 100% of these buyers are owner-occupants, not investors, stabilizing local risk.

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.