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Yauco Municipio FHA Loan Calculator

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

Loan Details

Yauco Municipio, PR Benchmarks

FHA averages
Typical Property Value$160,714
Average Down Payment16.3%
Average Interest Rate5.705%
Effective Tax Rate%
Median Tax PaidN/A
Tax Growth (Historical)%
Based on 49 regional loans totaling $6,225,000 (HMDA database).
$
%

$26,196 down · $134,518 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$147 / month

$

Annual premium

$

Per month

%

$57 / month

Estimated Monthly Payment

$1,150/mo

  • Principal & Interest$795
  • Property Tax$147
  • Home Insurance$150
  • FHA MIP$57
Amortization · Remaining Balance

Financed Loan Amount

$136,872

Total Interest

$149,426

Total of Payments

$286,298

*Includes financed FHA Upfront MIP of $2,354

Local Market Insights

Yauco Municipio FHA Mortgage Overview

In Yauco Municipio, the 16.31% average down payment for FHA loans provides accessible entry, but note that FHA mandates Mortgage Insurance Premiums (MIP) for the loan's life, even with this equity. The 83.69% Loan-to-Value ratio confirms most buyers are owner-occupants. With a 5.705% interest rate on a $160,714 average property, monthly affordability is not offset by local property taxes, as the effective tax rate is N/A. For homebuyers exploring an FHA mortgage with property taxes, this structure favors those with lower credit scores over conventional loans requiring PMI cancellation.

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.