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Barranquitas Municipio FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Barranquitas Municipio, Puerto Rico based on real HMDA transaction records.

Loan Details

Barranquitas Municipio, PR Benchmarks

FHA averages
Typical Property Value$145,000
Average Down Payment3.5%
Average Interest Rate5.680%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 23 regional loans totaling $2,785,000 (HMDA database).
$
%

$5,075 down · $139,925 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$133 / month

$

Annual premium

$

Per month

%

$65 / month

Estimated Monthly Payment

$1,173/mo

  • Principal & Interest$825
  • Property Tax$133
  • Home Insurance$150
  • FHA MIP$65
Amortization · Remaining Balance

Financed Loan Amount

$142,374

Total Interest

$154,459

Total of Payments

$296,832

*Includes financed FHA Upfront MIP of $2,449

Local Market Insights

Barranquitas Municipio FHA Mortgage Overview

For Barranquitas Municipio homebuyers, the 3.54% down payment on a $145,000 FHA loan provides accessible entry, though the 96.46% Loan-to-Value ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan—ideal for those with sub-620 credit. Since all buyers occupy these homes as primary residences, the effective property tax rate of N/A% offers no tax-related affordability relief, though it also avoids inflationary tax shifts. When evaluating an FHA loan with PMI and taxes in Barranquitas Municipio, PR, the 5.680% interest rate and minimal down payment lower upfront costs but increase long-term monthly obligations.

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.