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Caguas Municipio FHA Loan Calculator

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

Loan Details

Caguas Municipio, PR Benchmarks

FHA averages
Typical Property Value$198,697
Average Down Payment7.9%
Average Interest Rate5.869%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 377 regional loans totaling $62,075,000 (HMDA database).
$
%

$15,697 down · $183,000 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$182 / month

$

Annual premium

$

Per month

%

$78 / month

Estimated Monthly Payment

$1,511/mo

  • Principal & Interest$1,101
  • Property Tax$182
  • Home Insurance$150
  • FHA MIP$78
Amortization · Remaining Balance

Financed Loan Amount

$186,202

Total Interest

$210,108

Total of Payments

$396,311

*Includes financed FHA Upfront MIP of $3,202

Local Market Insights

Caguas Municipio FHA Mortgage Overview

For Caguas Municipio homebuyers, the 7.90% average down payment with an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan’s life due to the 92.10% Loan-to-Value (LTV) ratio. This is ideal for those with sub-620 credit scores purchasing primary residences. With no effective property tax rate data, monthly affordability hinges on the 5.869% interest rate and FHA MIP costs. Use an FHA loan down payment analysis for Caguas Municipio, Puerto Rico, and review FHA loan limits alongside property tax impacts to understand true costs.

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.