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Hunt County FHA Loan Calculator

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

Loan Details

Hunt County, TX Benchmarks

FHA averages
Typical Property Value$294,377
Average Down Payment4.1%
Average Interest Rate5.700%
Effective Tax Rate1.18%
Median Tax Paid$3,002/yr
Tax Growth (Historical)+6.4%
Based on 819 regional loans totaling $232,115,000 (HMDA database).
$
%

$12,069 down · $282,308 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$289 / month

$

Annual premium

$

Per month

%

$132 / month

Estimated Monthly Payment

$2,238/mo

  • Principal & Interest$1,667
  • Property Tax$289
  • Home Insurance$150
  • FHA MIP$132
Amortization · Remaining Balance

Financed Loan Amount

$287,248

Total Interest

$312,940

Total of Payments

$600,188

*Includes financed FHA Upfront MIP of $4,940

Local Market Insights

Hunt County FHA Mortgage Overview

For Hunt County homebuyers, the 4.09% weighted average down payment highlights the accessibility of FHA financing, requiring just $12,060 on the average $294,377 property. However, with a 95.91% Loan-to-Value ratio, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of equity buildup. This FHA structure is ideal for those with sub-620 credit scores. The effective property tax rate of 1.18%, coupled with a 6.4% inflation-adjusted tax increase, adds roughly $290 monthly to true affordability. When evaluating an FHA loan with PMI and taxes in Hunt County, TX, or using an FHA down payment analysis in Hunt County, Texas, factor in this persistent MIP cost against the low entry barrier.

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.