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Cumberland County FHA Loan Calculator

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

Loan Details

Cumberland County, PA Benchmarks

FHA averages
Typical Property Value$302,909
Average Down Payment13.4%
Average Interest Rate6.351%
Effective Tax Rate1.11%
Median Tax Paid$3,254/yr
Tax Growth (Historical)-0.7%
Based on 550 regional loans totaling $140,270,000 (HMDA database).
$
%

$40,590 down · $262,319 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$280 / month

$

Annual premium

$

Per month

%

$111 / month

Estimated Monthly Payment

$2,202/mo

  • Principal & Interest$1,661
  • Property Tax$280
  • Home Insurance$150
  • FHA MIP$111
Amortization · Remaining Balance

Financed Loan Amount

$266,910

Total Interest

$330,981

Total of Payments

$597,891

*Includes financed FHA Upfront MIP of $4,591

Local Market Insights

Cumberland County FHA Mortgage Overview

For Cumberland County homebuyers, the 13.41% average down payment on an FHA loan provides accessible entry, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life regardless of equity. The 86.59% loan-to-value ratio reflects this, ideal for buyers with sub-620 credit. At a 6.351% rate and $302,909 average property value, the 1.11% effective tax rate and recent -0.7% inflation-adjusted decrease slightly improve monthly affordability. This data, based on 100% primary residences, helps when evaluating FHA loan down payment scenarios or FHA mortgage costs with property taxes in Cumberland County, PA.

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.