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Llano County FHA Loan Calculator

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

Loan Details

Llano County, TX Benchmarks

FHA averages
Typical Property Value$271,364
Average Down Payment9.0%
Average Interest Rate6.448%
Effective Tax Rate0.68%
Median Tax Paid$2,658/yr
Tax Growth (Historical)-0.3%
Based on 44 regional loans totaling $10,640,000 (HMDA database).
$
%

$24,423 down · $246,941 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$154 / month

$

Annual premium

$

Per month

%

$105 / month

Estimated Monthly Payment

$1,988/mo

  • Principal & Interest$1,580
  • Property Tax$154
  • Home Insurance$150
  • FHA MIP$105
Amortization · Remaining Balance

Financed Loan Amount

$251,263

Total Interest

$317,501

Total of Payments

$568,763

*Includes financed FHA Upfront MIP of $4,321

Local Market Insights

Llano County FHA Mortgage Overview

For Llano County homebuyers using an FHA loan, the 9.01% weighted average down payment provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) remain for the life of the loan due to the 90.99% loan-to-value ratio. This data reflects 100% owner-occupied purchases. With an average property value of $271,363.64 at a 6.448% rate, the effective 0.68% tax rate and recent -0.3% inflation-adjusted tax shift slightly reduce monthly burden. When evaluating an FHA loan down payment with PMI and taxes in Llano County, Texas, remember MIP is permanent, making this ideal for buyers with sub-620 credit seeking Llano County FHA loan limits.

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.