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Zapata County FHA Loan Calculator

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

Loan Details

Zapata County, TX Benchmarks

FHA averages
Typical Property Value$251,667
Average Down Payment5.8%
Average Interest Rate6.445%
Effective Tax Rate0.69%
Median Tax Paid$920/yr
Tax Growth (Historical)-2.1%
Based on 24 regional loans totaling $4,300,000 (HMDA database).
$
%

$14,597 down · $237,070 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$145 / month

$

Annual premium

$

Per month

%

$101 / month

Estimated Monthly Payment

$1,912/mo

  • Principal & Interest$1,517
  • Property Tax$145
  • Home Insurance$150
  • FHA MIP$101
Amortization · Remaining Balance

Financed Loan Amount

$241,219

Total Interest

$304,809

Total of Payments

$546,028

*Includes financed FHA Upfront MIP of $4,149

Local Market Insights

Zapata County FHA Mortgage Overview

In Zapata County, the average FHA loan features a 5.75% down payment, offering accessible entry for primary residence buyers. This low equity, however, mandates Mortgage Insurance Premiums (MIP) for the loan’s life. With a median Loan-to-Value (LTV) of 94.25%, the risk profile is high. The effective property tax rate of 0.69% is moderate, but the recent -2.1% inflation-adjusted tax shift provides modest monthly relief. When analyzing an FHA loan calculator with PMI and taxes in Zapata County, TX, remember that MIP is permanent, making this ideal for buyers with sub-620 credit scores. The Zapata County FHA loan limits and tax calculator data confirms affordability is driven by low down payment requirements.

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.