Coos County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Coos County, NH Benchmarks

FHA averages

Typical Property Value$243,364

Average Down Payment13.9%

Average Interest Rate6.277%

Effective Tax Rate1.64%

Median Tax Paid$3,579/yr

Tax Growth (Historical)-1.1%

Based on 110 regional loans totaling $21,740,000 (HMDA database).

Home Price

Down Payment

$33,828 down · $209,536 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

$333 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$89 / month

Estimated Monthly Payment

$1,888/mo

Principal & Interest$1,317
Property Tax$333
Home Insurance$150
FHA MIP$89

Amortization · Remaining Balance

Financed Loan Amount

$213,203

Total Interest

$260,878

Total of Payments

$474,081

*Includes financed FHA Upfront MIP of $3,667

Local Market Insights

Coos County FHA Mortgage Overview

In Coos County, the average 13.87% down payment on an FHA loan provides accessible entry, but note that Mortgage Insurance Premiums (MIP) are required for the life of the loan due to the 86.13% loan-to-value ratio, making it ideal for buyers with sub-620 credit scores. The 1.64% effective property tax rate, with a recent -1.1% inflation-adjusted decrease, slightly improves monthly affordability. For those exploring an FHA loan with PMI and taxes in Coos County, NH, or evaluating Coos County FHA loan limits and tax considerations, this data reflects standard owner-occupied purchases, not investments.

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.