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Campbell County FHA Loan Calculator

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

Loan Details

Campbell County, VA Benchmarks

FHA averages
Typical Property Value$284,930
Average Down Payment9.0%
Average Interest Rate6.365%
Effective Tax Rate0.46%
Median Tax Paid$950/yr
Tax Growth (Historical)+0.9%
Based on 285 regional loans totaling $72,515,000 (HMDA database).
$
%

$25,644 down · $259,286 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$109 / month

$

Annual premium

$

Per month

%

$110 / month

Estimated Monthly Payment

$2,014/mo

  • Principal & Interest$1,645
  • Property Tax$109
  • Home Insurance$150
  • FHA MIP$110
Amortization · Remaining Balance

Financed Loan Amount

$263,824

Total Interest

$328,396

Total of Payments

$592,220

*Includes financed FHA Upfront MIP of $4,538

Local Market Insights

Campbell County FHA Mortgage Overview

For Campbell County homebuyers, an FHA loan with a 9.01% down payment offers accessible entry despite requiring Mortgage Insurance Premiums (MIP) for the loan’s life. The 90.99% Loan-to-Value ratio confirms this is a low-equity start, ideal for those with sub-620 credit scores. With a 0.46% effective property tax rate and a 0.9% inflation-adjusted increase, monthly affordability remains manageable. All data reflects primary residences, not investments. This FHA loan down payment and tax structure in Campbell County, VA, provides a clear path to homeownership.

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.