Furnas County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Furnas County, NE Benchmarks

FHA averages

Typical Property Value$155,800

Average Down Payment9.7%

Average Interest Rate6.278%

Effective Tax Rate1.13%

Median Tax Paid$1,353/yr

Tax Growth (Historical)-1.3%

Based on 25 regional loans totaling $3,315,000 (HMDA database).

Home Price

Down Payment

$15,113 down · $140,687 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

$147 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$60 / month

Estimated Monthly Payment

$1,241/mo

Principal & Interest$884
Property Tax$147
Home Insurance$150
FHA MIP$60

Amortization · Remaining Balance

Financed Loan Amount

$143,149

Total Interest

$175,159

Total of Payments

$318,309

*Includes financed FHA Upfront MIP of $2,462

Local Market Insights

Furnas County FHA Mortgage Overview

In Furnas County, the 9.68% average down payment on FHA loans provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the life of the loan, regardless of the 90.32% Loan-to-Value ratio. This data reflects 100% owner-occupied purchases, ideal for buyers with sub-620 credit scores. The 1.13% effective property tax rate, paired with a -1.3% inflation-adjusted tax decrease, slightly improves monthly affordability. When using a Furnas County FHA loan tool with PMI and taxes, factor in these long-term MIP costs against the low entry barrier.

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.