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Denton County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Denton County, Texas based on real HMDA transaction records.

Loan Details

Denton County, TX Benchmarks

FHA averages
Typical Property Value$379,430
Average Down Payment4.9%
Average Interest Rate5.383%
Effective Tax Rate1.46%
Median Tax Paid$7,055/yr
Tax Growth (Historical)-1.4%
Based on 4,442 regional loans totaling $1,610,940,000 (HMDA database).
$
%

$18,592 down · $360,838 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$462 / month

$

Annual premium

$

Per month

%

$168 / month

Estimated Monthly Payment

$2,837/mo

  • Principal & Interest$2,057
  • Property Tax$462
  • Home Insurance$150
  • FHA MIP$168
Amortization · Remaining Balance

Financed Loan Amount

$367,153

Total Interest

$373,401

Total of Payments

$740,554

*Includes financed FHA Upfront MIP of $6,315

Local Market Insights

Denton County FHA Mortgage Overview

In Denton County, the 4.88% weighted average down payment on FHA loans highlights accessible entry for buyers, but mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life due to the high 95.12% median loan-to-value ratio. This data reflects 100% owner-occupied purchases, not investments. The 1.46% effective property tax rate, despite a recent -1.4% inflation-adjusted decrease, still significantly impacts monthly affordability when using a Denton County FHA mortgage calculator with property taxes. For buyers evaluating FHA loan limits and tax impacts, the MIP requirement makes this product ideal for those with sub-620 credit scores seeking a Denton County FHA down payment estimate.

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.