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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, Pennsylvania based on real HMDA transaction records.

Loan Details

Union County, PA Benchmarks

FHA averages
Typical Property Value$259,915
Average Down Payment10.0%
Average Interest Rate6.445%
Effective Tax Rate1.18%
Median Tax Paid$2,744/yr
Tax Growth (Historical)-0.2%
Based on 59 regional loans totaling $13,505,000 (HMDA database).
$
%

$25,992 down · $233,924 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$256 / month

$

Annual premium

$

Per month

%

$99 / month

Estimated Monthly Payment

$2,001/mo

  • Principal & Interest$1,497
  • Property Tax$256
  • Home Insurance$150
  • FHA MIP$99
Amortization · Remaining Balance

Financed Loan Amount

$238,017

Total Interest

$300,763

Total of Payments

$538,780

*Includes financed FHA Upfront MIP of $4,094

Local Market Insights

Union County FHA Mortgage Overview

Union County’s FHA market reveals a deliberate entry strategy for owner-occupants. The 10.01% down payment and 89.99% loan-to-value ratio provide accessible financing, but mandatory Mortgage Insurance Premiums (MIP) persist for the loan’s life—key for buyers with sub-620 credit. At a 6.445% rate on a $259,915 property, the effective 1.18% tax rate adds $255 monthly. The -0.2% inflation-adjusted tax decrease offers minor relief, slightly improving true affordability when using an FHA loan calculator with PMI and taxes in Union 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.