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Gurabo Municipio FHA Loan Calculator

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

Loan Details

Gurabo Municipio, PR Benchmarks

FHA averages
Typical Property Value$321,856
Average Down Payment8.3%
Average Interest Rate5.552%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 230 regional loans totaling $66,830,000 (HMDA database).
$
%

$26,714 down · $295,142 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$295 / month

$

Annual premium

$

Per month

%

$125 / month

Estimated Monthly Payment

$2,285/mo

  • Principal & Interest$1,715
  • Property Tax$295
  • Home Insurance$150
  • FHA MIP$125
Amortization · Remaining Balance

Financed Loan Amount

$300,307

Total Interest

$316,928

Total of Payments

$617,235

*Includes financed FHA Upfront MIP of $5,165

Local Market Insights

Gurabo Municipio FHA Mortgage Overview

In Gurabo Municipio, the average 8.32% down payment on an FHA loan provides accessible entry for buyers, though it triggers mandatory Mortgage Insurance Premiums (MIP) for the life of the loan—ideal for those with sub-620 credit scores. With a 91.68% median LTV ratio, buyers carry high initial leverage. All purchases are primary residences, reducing investor risk. The effective property tax rate is N/A%, so monthly affordability hinges on the 5.552% interest rate and MIP costs. When using an FHA mortgage tool with property taxes in Gurabo Municipio, PR, remember that MIP cannot be canceled, unlike conventional loans. This data reflects standard homebuyers, not investors.

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.