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Loudoun County FHA Loan Calculator

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

Loan Details

Loudoun County, VA Benchmarks

FHA averages
Typical Property Value$694,579
Average Down Payment12.4%
Average Interest Rate6.135%
Effective Tax Rate0.80%
Median Tax Paid$6,325/yr
Tax Growth (Historical)-0.8%
Based on 694 regional loans totaling $412,570,000 (HMDA database).
$
%

$86,128 down · $608,451 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$463 / month

$

Annual premium

$

Per month

%

$258 / month

Estimated Monthly Payment

$4,635/mo

  • Principal & Interest$3,764
  • Property Tax$463
  • Home Insurance$150
  • FHA MIP$258
Amortization · Remaining Balance

Financed Loan Amount

$619,099

Total Interest

$735,838

Total of Payments

$1,354,937

*Includes financed FHA Upfront MIP of $10,648

Local Market Insights

Loudoun County FHA Mortgage Overview

In Loudoun County, the 12.41% down payment on an FHA loan provides accessible entry for owner-occupants, but the 87.59% LTV ratio means mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of equity buildup. This makes FHA financing ideal for buyers with sub-620 credit scores. The effective property tax rate of 0.80%, combined with a slight inflation-adjusted tax decrease of -0.8%, offers modest monthly affordability relief. When evaluating a Loudoun County FHA loan with PMI and taxes, the $694,579 average property value and 6.135% interest rate underscore that the true cost includes permanent MIP alongside stable tax impacts.

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.