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Union County FHA Loan Calculator

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

Loan Details

Union County, OR Benchmarks

FHA averages
Typical Property Value$317,100
Average Down Payment11.9%
Average Interest Rate6.293%
Effective Tax Rate0.68%
Median Tax Paid$2,446/yr
Tax Growth (Historical)+2.8%
Based on 100 regional loans totaling $27,390,000 (HMDA database).
$
%

$37,735 down · $279,365 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$180 / month

$

Annual premium

$

Per month

%

$118 / month

Estimated Monthly Payment

$2,206/mo

  • Principal & Interest$1,758
  • Property Tax$180
  • Home Insurance$150
  • FHA MIP$118
Amortization · Remaining Balance

Financed Loan Amount

$284,254

Total Interest

$348,483

Total of Payments

$632,737

*Includes financed FHA Upfront MIP of $4,889

Local Market Insights

Union County FHA Mortgage Overview

For Union County homebuyers using an FHA loan, the 11.91% down payment on a $317,100 property provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of this down payment. The 88.09% LTV ratio confirms this is for primary residences, not investments. The 0.68% effective property tax rate, with a 2.8% inflation-adjusted increase, adds modest monthly cost. This combination of FHA loan limits, property taxes, and PMI is ideal for buyers with sub-620 credit scores seeking predictable affordability in Union County, Oregon.

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.