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Hillsborough County FHA Loan Calculator

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

Loan Details

Hillsborough County, NH Benchmarks

FHA averages
Typical Property Value$479,441
Average Down Payment13.9%
Average Interest Rate6.288%
Effective Tax Rate1.62%
Median Tax Paid$6,999/yr
Tax Growth (Historical)0.0%
Based on 979 regional loans totaling $391,815,000 (HMDA database).
$
%

$66,642 down · $412,799 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$647 / month

$

Annual premium

$

Per month

%

$175 / month

Estimated Monthly Payment

$3,569/mo

  • Principal & Interest$2,597
  • Property Tax$647
  • Home Insurance$150
  • FHA MIP$175
Amortization · Remaining Balance

Financed Loan Amount

$420,023

Total Interest

$514,929

Total of Payments

$934,952

*Includes financed FHA Upfront MIP of $7,224

Local Market Insights

Hillsborough County FHA Mortgage Overview

For Hillsborough County homebuyers using an FHA loan, the 13.93% average down payment (well above the 3.5% minimum) provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life due to the 86.07% loan-to-value ratio. This is ideal for buyers with sub-620 credit scores seeking primary residences. The 1.62% effective property tax rate, with no recent inflation-adjusted change, creates stable monthly affordability. When evaluating your FHA loan with PMI and taxes in Hillsborough County, NH, this data helps assess true costs against local FHA 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.