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Rockingham County FHA Loan Calculator

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

Loan Details

Rockingham County, NH Benchmarks

FHA averages
Typical Property Value$559,142
Average Down Payment16.7%
Average Interest Rate6.276%
Effective Tax Rate1.34%
Median Tax Paid$7,839/yr
Tax Growth (Historical)+1.2%
Based on 618 regional loans totaling $276,680,000 (HMDA database).
$
%

$93,377 down · $465,765 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$624 / month

$

Annual premium

$

Per month

%

$197 / month

Estimated Monthly Payment

$3,899/mo

  • Principal & Interest$2,927
  • Property Tax$624
  • Home Insurance$150
  • FHA MIP$197
Amortization · Remaining Balance

Financed Loan Amount

$473,916

Total Interest

$579,889

Total of Payments

$1,053,805

*Includes financed FHA Upfront MIP of $8,151

Local Market Insights

Rockingham County FHA Mortgage Overview

Rockingham County homebuyers using FHA financing are entering the market with a 16.72% down payment on an average property value of $559,142. This provides accessible entry, but the 83.28% loan-to-value ratio means the mandatory Mortgage Insurance Premium (MIP) is required for the life of the loan, an important factor for those with sub-620 credit scores. With an effective property tax rate of 1.34% and a recent 1.2% inflation-adjusted tax increase, monthly affordability is impacted. When evaluating an FHA loan with PMI and taxes in Rockingham County, NH, or using an FHA loan down payment analysis in Rockingham County, New Hampshire, this tax burden and permanent MIP must be factored into true monthly costs for this 100% owner-occupied market.

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.