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Orange County FHA Loan Calculator

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

Loan Details

Orange County, TX Benchmarks

FHA averages
Typical Property Value$226,831
Average Down Payment4.8%
Average Interest Rate6.416%
Effective Tax Rate1.23%
Median Tax Paid$2,152/yr
Tax Growth (Historical)+2.5%
Based on 437 regional loans totaling $94,905,000 (HMDA database).
$
%

$10,888 down · $215,943 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$233 / month

$

Annual premium

$

Per month

%

$101 / month

Estimated Monthly Payment

$1,860/mo

  • Principal & Interest$1,377
  • Property Tax$233
  • Home Insurance$150
  • FHA MIP$101
Amortization · Remaining Balance

Financed Loan Amount

$219,722

Total Interest

$276,089

Total of Payments

$495,811

*Includes financed FHA Upfront MIP of $3,779

Local Market Insights

Orange County FHA Mortgage Overview

For Orange County, TX homebuyers, the 4.82% average down payment on FHA loans provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life. With a 95.18% median loan-to-value ratio and 100% owner-occupancy, this data reflects standard primary residence purchases, ideal for those with sub-620 credit scores. The 1.23% effective property tax rate, adjusted 2.5% for inflation, directly impacts monthly affordability when using an FHA mortgage tool with property taxes. Understanding Orange County FHA loan limits and tax implications is crucial for budgeting total housing costs.

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.