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Umatilla County FHA Loan Calculator

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

Loan Details

Umatilla County, OR Benchmarks

FHA averages
Typical Property Value$326,227
Average Down Payment8.7%
Average Interest Rate6.278%
Effective Tax Rate0.77%
Median Tax Paid$2,557/yr
Tax Growth (Historical)-2.1%
Based on 490 regional loans totaling $142,860,000 (HMDA database).
$
%

$28,382 down · $297,845 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$209 / month

$

Annual premium

$

Per month

%

$126 / month

Estimated Monthly Payment

$2,357/mo

  • Principal & Interest$1,872
  • Property Tax$209
  • Home Insurance$150
  • FHA MIP$126
Amortization · Remaining Balance

Financed Loan Amount

$303,058

Total Interest

$370,824

Total of Payments

$673,882

*Includes financed FHA Upfront MIP of $5,212

Local Market Insights

Umatilla County FHA Mortgage Overview

In Umatilla County, the typical FHA homebuyer puts down 8.65% on a $326,227 property, far less than the standard 20%. This low entry point, combined with a 91.35% loan-to-value ratio, makes homeownership accessible but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s entire term—ideal for those with sub-620 credit. The effective property tax rate of 0.77% is modest, and the recent -2.1% inflation-adjusted tax change offers slight monthly relief, improving true affordability for this primary residence 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.