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Ciales Municipio FHA Loan Calculator

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

Loan Details

Ciales Municipio, PR Benchmarks

FHA averages
Typical Property Value$135,000
Average Down Payment10.1%
Average Interest Rate6.068%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 12 regional loans totaling $1,270,000 (HMDA database).
$
%

$13,635 down · $121,365 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$124 / month

$

Annual premium

$

Per month

%

$51 / month

Estimated Monthly Payment

$1,071/mo

  • Principal & Interest$746
  • Property Tax$124
  • Home Insurance$150
  • FHA MIP$51
Amortization · Remaining Balance

Financed Loan Amount

$123,489

Total Interest

$145,051

Total of Payments

$268,540

*Includes financed FHA Upfront MIP of $2,124

Local Market Insights

Ciales Municipio FHA Mortgage Overview

For buyers in Ciales Municipio, the 10.06% average down payment and 89.94% loan-to-value ratio highlight FHA’s accessibility, ideal for those with sub-620 credit. However, FHA requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of this down payment. With a $135,000 average property value and a 6.068% interest rate, the effective property tax rate is N/A%, but its absence simplifies monthly affordability projections. This data reflects 100% owner-occupied purchases, not investment properties, reinforcing a stable local market. When evaluating an FHA loan with PMI and taxes in Ciales Municipio, PR, these figures confirm FHA as the gateway for entry-level buyers.

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.