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Fauquier County FHA Loan Calculator

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

Loan Details

Fauquier County, VA Benchmarks

FHA averages
Typical Property Value$564,111
Average Down Payment10.7%
Average Interest Rate6.088%
Effective Tax Rate0.67%
Median Tax Paid$4,320/yr
Tax Growth (Historical)+0.1%
Based on 225 regional loans totaling $111,465,000 (HMDA database).
$
%

$60,360 down · $503,751 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$315 / month

$

Annual premium

$

Per month

%

$214 / month

Estimated Monthly Payment

$3,781/mo

  • Principal & Interest$3,103
  • Property Tax$315
  • Home Insurance$150
  • FHA MIP$214
Amortization · Remaining Balance

Financed Loan Amount

$512,567

Total Interest

$604,448

Total of Payments

$1,117,014

*Includes financed FHA Upfront MIP of $8,816

Local Market Insights

Fauquier County FHA Mortgage Overview

FHA loans in Fauquier County offer accessible entry with a 10.65% down payment on an average $564,111 property. However, this low equity means mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of the 89.35% loan-to-value ratio. For buyers seeking an FHA loan down payment estimate with PMI and taxes in Fauquier County, VA, the effective 0.67% property tax rate adds $315 monthly. The recent 0.1% inflation-adjusted tax shift minimally affects affordability. This data, reflecting 100% primary residences, shows FHA is ideal for sub-620 credit scores but requires factoring permanent MIP costs into Fauquier County FHA mortgage planning with property taxes.

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.