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Delaware County FHA Loan Calculator

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

Loan Details

Delaware County, OK Benchmarks

FHA averages
Typical Property Value$260,185
Average Down Payment13.6%
Average Interest Rate6.423%
Effective Tax Rate0.51%
Median Tax Paid$1,051/yr
Tax Growth (Historical)+5.0%
Based on 135 regional loans totaling $28,795,000 (HMDA database).
$
%

$35,385 down · $224,800 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$111 / month

$

Annual premium

$

Per month

%

$95 / month

Estimated Monthly Payment

$1,790/mo

  • Principal & Interest$1,434
  • Property Tax$111
  • Home Insurance$150
  • FHA MIP$95
Amortization · Remaining Balance

Financed Loan Amount

$228,734

Total Interest

$287,413

Total of Payments

$516,147

*Includes financed FHA Upfront MIP of $3,934

Local Market Insights

Delaware County FHA Mortgage Overview

For Delaware County homebuyers using an FHA loan, the 13.55% average down payment provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life due to the 86.45% loan-to-value ratio. With a median property value near $260,000 and a 6.423% rate, this FHA option is ideal for those with sub-620 credit. The effective property tax rate of 0.51% remains low, but the recent 5.0% inflation-adjusted tax increase will modestly raise monthly costs for owner-occupied homes.

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.