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Juncos Municipio FHA Loan Calculator

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

Loan Details

Juncos Municipio, PR Benchmarks

FHA averages
Typical Property Value$213,421
Average Down Payment6.3%
Average Interest Rate5.761%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 114 regional loans totaling $21,010,000 (HMDA database).
$
%

$13,446 down · $199,975 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$196 / month

$

Annual premium

$

Per month

%

$85 / month

Estimated Monthly Payment

$1,619/mo

  • Principal & Interest$1,189
  • Property Tax$196
  • Home Insurance$150
  • FHA MIP$85
Amortization · Remaining Balance

Financed Loan Amount

$203,475

Total Interest

$224,463

Total of Payments

$427,939

*Includes financed FHA Upfront MIP of $3,500

Local Market Insights

Juncos Municipio FHA Mortgage Overview

In Juncos Municipio, the typical FHA buyer secures a home with a 6.26% down payment and a 93.74% loan-to-value ratio. This low entry point makes homeownership accessible, but carries a critical cost: mandatory MIP for the loan’s life, regardless of equity growth. The 5.761% average rate on a $213,421 property means monthly payments are highly sensitive to this insurance. With no effective property tax rate listed, the true monthly burden hinges on the FHA loan down payment and MIP structure. For those evaluating FHA loan limits and tax impacts in Juncos Municipio, this data confirms a market designed for primary residents prioritizing low upfront cash over long-term insurance costs.

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.