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Sabana Grande Municipio FHA Loan Calculator

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

Loan Details

Sabana Grande Municipio, PR Benchmarks

FHA averages
Typical Property Value$171,800
Average Down Payment11.5%
Average Interest Rate5.576%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 25 regional loans totaling $3,545,000 (HMDA database).
$
%

$19,757 down · $152,043 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$157 / month

$

Annual premium

$

Per month

%

$64 / month

Estimated Monthly Payment

$1,258/mo

  • Principal & Interest$886
  • Property Tax$157
  • Home Insurance$150
  • FHA MIP$64
Amortization · Remaining Balance

Financed Loan Amount

$154,704

Total Interest

$164,318

Total of Payments

$319,022

*Includes financed FHA Upfront MIP of $2,661

Local Market Insights

Sabana Grande Municipio FHA Mortgage Overview

In Sabana Grande Municipio, the 11.50% average down payment on an FHA loan provides accessible entry for buyers, particularly those with sub-620 credit scores. However, with an 88.50% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, a key factor when using an FHA mortgage with property taxes. The N/A% effective tax rate offers no immediate tax burden, but the N/A% inflation-adjusted shift creates uncertainty for true monthly affordability. This data, reflecting 100% owner-occupied purchases, shows that FHA loan limits here favor steady, long-term homeownership despite permanent MIP.

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.