Prince William County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Prince William County, VA Benchmarks

FHA averages

Typical Property Value$548,242

Average Down Payment11.2%

Average Interest Rate6.180%

Effective Tax Rate0.85%

Median Tax Paid$4,999/yr

Tax Growth (Historical)-1.2%

Based on 1,317 regional loans totaling $629,715,000 (HMDA database).

Home Price

Down Payment

$61,403 down · $486,839 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$388 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$206 / month

Estimated Monthly Payment

$3,772/mo

Principal & Interest$3,027
Property Tax$388
Home Insurance$150
FHA MIP$206

Amortization · Remaining Balance

Financed Loan Amount

$495,359

Total Interest

$594,538

Total of Payments

$1,089,897

*Includes financed FHA Upfront MIP of $8,520

Local Market Insights

Prince William County FHA Mortgage Overview

For Prince William County homebuyers using an FHA loan, the 11.17% average down payment—paired with an 88.83% loan-to-value ratio—offers accessible entry but carries a critical trade-off: mandatory Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity built. At a 6.180% rate and 0.85% effective property tax rate, the recent -1.2% inflation-adjusted tax shift slightly eases monthly costs. This data reflects standard owner-occupied purchases, not investments, making it ideal for buyers with sub-620 credit seeking an FHA loan with PMI and taxes in Prince William County, VA. Understanding Prince William County FHA loan limits and tax impacts is key to true affordability.

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.