Holt County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Holt County, NE Benchmarks

FHA averages

Typical Property Value$158,750

Average Down Payment8.4%

Average Interest Rate6.452%

Effective Tax Rate1.06%

Median Tax Paid$1,828/yr

Tax Growth (Historical)+2.4%

Based on 16 regional loans totaling $2,300,000 (HMDA database).

Home Price

Down Payment

$13,335 down · $145,415 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

$140 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$62 / month

Estimated Monthly Payment

$1,282/mo

Principal & Interest$930
Property Tax$140
Home Insurance$150
FHA MIP$62

Amortization · Remaining Balance

Financed Loan Amount

$147,960

Total Interest

$186,965

Total of Payments

$334,925

*Includes financed FHA Upfront MIP of $2,545

Local Market Insights

Holt County FHA Mortgage Overview

For Holt County homebuyers, the 8.44% average down payment on an FHA loan provides accessible entry, but the 91.56% loan-to-value ratio means mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life—ideal if your credit is below 620. With a $158,750 average property value and a 6.452% interest rate, the effective 1.06% property tax rate and recent 2.4% inflation-adjusted tax shift add approximately $140 monthly to true affordability. This data reflects 100% owner-occupied purchases, not investments, making an FHA loan with PMI and taxes in Holt County, NE a stable path for primary residence 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.