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Guayanilla Municipio FHA Loan Calculator

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

Loan Details

Guayanilla Municipio, PR Benchmarks

FHA averages
Typical Property Value$122,647
Average Down Payment6.2%
Average Interest Rate5.991%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 17 regional loans totaling $1,485,000 (HMDA database).
$
%

$7,604 down · $115,043 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$112 / month

$

Annual premium

$

Per month

%

$49 / month

Estimated Monthly Payment

$1,012/mo

  • Principal & Interest$701
  • Property Tax$112
  • Home Insurance$150
  • FHA MIP$49
Amortization · Remaining Balance

Financed Loan Amount

$117,056

Total Interest

$135,325

Total of Payments

$252,381

*Includes financed FHA Upfront MIP of $2,013

Local Market Insights

Guayanilla Municipio FHA Mortgage Overview

In Guayanilla Municipio, the FHA loan data reveals a market prioritizing accessible entry. With a weighted average down payment of just 6.18% and a high 93.82% loan-to-value ratio, buyers are using low equity to purchase. This FHA structure ensures mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, making it ideal for those with sub-620 credit scores. The average property value is $122,647.06, with a 5.991% interest rate. Since the effective property tax rate is N/A, the primary monthly cost drivers are principal, interest, and MIP. All loans reflect primary residences, confirming a standard homebuyer market. For a complete view of your FHA loan with PMI and taxes in Guayanilla Municipio, PR, or to explore Guayanilla Municipio FHA loan limits and tax scenarios, our interactive tool provides precise figures.

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.