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Guayama Municipio FHA Loan Calculator

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

Loan Details

Guayama Municipio, PR Benchmarks

FHA averages
Typical Property Value$145,588
Average Down Payment10.8%
Average Interest Rate5.839%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 68 regional loans totaling $7,760,000 (HMDA database).
$
%

$15,724 down · $129,864 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$133 / month

$

Annual premium

$

Per month

%

$55 / month

Estimated Monthly Payment

$1,117/mo

  • Principal & Interest$779
  • Property Tax$133
  • Home Insurance$150
  • FHA MIP$55
Amortization · Remaining Balance

Financed Loan Amount

$132,137

Total Interest

$148,190

Total of Payments

$280,328

*Includes financed FHA Upfront MIP of $2,273

Local Market Insights

Guayama Municipio FHA Mortgage Overview

In Guayama Municipio, the average 10.84% down payment on an FHA loan provides accessible entry, though it triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan. With a median Loan-to-Value (LTV) of 89.16%, this is ideal for buyers with sub-620 credit scores, as MIP cannot be removed. The 5.839% interest rate on a $145,588 property keeps monthly costs manageable. While the effective property tax rate is N/A%, any future tax shifts could alter true affordability. All loans here are for primary residences, reflecting stable local demand.

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.