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Hatillo Municipio FHA Loan Calculator

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

Loan Details

Hatillo Municipio, PR Benchmarks

FHA averages
Typical Property Value$182,105
Average Down Payment9.2%
Average Interest Rate5.878%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 38 regional loans totaling $5,500,000 (HMDA database).
$
%

$16,754 down · $165,351 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$167 / month

$

Annual premium

$

Per month

%

$70 / month

Estimated Monthly Payment

$1,383/mo

  • Principal & Interest$996
  • Property Tax$167
  • Home Insurance$150
  • FHA MIP$70
Amortization · Remaining Balance

Financed Loan Amount

$168,245

Total Interest

$190,232

Total of Payments

$358,477

*Includes financed FHA Upfront MIP of $2,894

Local Market Insights

Hatillo Municipio FHA Mortgage Overview

For Hatillo Municipio homebuyers, the 9.24% weighted average down payment on FHA loans provides accessible entry, though the mandatory Mortgage Insurance Premium (MIP) is required for the life of the loan due to the 90.76% LTV ratio. This is ideal for buyers with sub-620 credit scores seeking primary residences. With an average property value of $182,105.26 and a 5.878% interest rate, monthly affordability is driven by MIP costs rather than local taxes, as the effective property tax rate is not applicable. Those exploring FHA loan down payment options in Hatillo Municipio, Puerto Rico, should factor in permanent MIP when assessing FHA loan limits and property tax impacts.

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.