Cambria County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Cambria County, PA Benchmarks

FHA averages

Typical Property Value$149,371

Average Down Payment12.9%

Average Interest Rate6.565%

Effective Tax Rate1.19%

Median Tax Paid$1,492/yr

Tax Growth (Historical)-2.7%

Based on 286 regional loans totaling $36,260,000 (HMDA database).

Home Price

Down Payment

$19,269 down · $130,102 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$148 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$55 / month

Estimated Monthly Payment

$1,196/mo

Principal & Interest$843
Property Tax$148
Home Insurance$150
FHA MIP$55

Amortization · Remaining Balance

Financed Loan Amount

$132,379

Total Interest

$171,039

Total of Payments

$303,418

*Includes financed FHA Upfront MIP of $2,277

Local Market Insights

Cambria County FHA Mortgage Overview

For a typical Cambria County FHA buyer, the 12.93% down payment on a $149,371 home provides accessible entry, but this low equity means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan. With a median Loan-to-Value of 87.07%, this is standard for owner-occupied homes. The effective 1.19% property tax rate, combined with a recent -2.7% inflation-adjusted tax decrease, slightly improves monthly affordability. Analyzing local FHA loan limits and tax impacts, this data helps buyers understand their true cost in Cambria County, Pennsylvania.

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.