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Lavaca County FHA Loan Calculator

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

Loan Details

Lavaca County, TX Benchmarks

FHA averages
Typical Property Value$233,636
Average Down Payment7.8%
Average Interest Rate6.409%
Effective Tax Rate0.76%
Median Tax Paid$2,041/yr
Tax Growth (Historical)-6.3%
Based on 22 regional loans totaling $4,500,000 (HMDA database).
$
%

$18,224 down · $215,412 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$148 / month

$

Annual premium

$

Per month

%

$91 / month

Estimated Monthly Payment

$1,762/mo

  • Principal & Interest$1,372
  • Property Tax$148
  • Home Insurance$150
  • FHA MIP$91
Amortization · Remaining Balance

Financed Loan Amount

$219,182

Total Interest

$274,894

Total of Payments

$494,076

*Includes financed FHA Upfront MIP of $3,770

Local Market Insights

Lavaca County FHA Mortgage Overview

In Lavaca County, the typical FHA buyer puts down 7.77% on a $233,636 home, a low barrier to entry. However, with a 92.23% loan-to-value ratio, mandatory Mortgage Insurance Premiums (MIP) are required for the loan's life, making this ideal for owner-occupants with sub-620 scores. The effective property tax rate of 0.76% is moderate, but the recent -6.3% inflation-adjusted tax shift slightly lowers monthly carrying costs. For accurate budgeting with MIP and taxes, use a localized Lavaca County FHA mortgage tool to evaluate true affordability.

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.