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Bennington County FHA Loan Calculator

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

Loan Details

Bennington County, VT Benchmarks

FHA averages
Typical Property Value$293,065
Average Down Payment16.2%
Average Interest Rate6.409%
Effective Tax Rate1.50%
Median Tax Paid$4,580/yr
Tax Growth (Historical)+1.1%
Based on 62 regional loans totaling $14,460,000 (HMDA database).
$
%

$47,477 down · $245,588 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$366 / month

$

Annual premium

$

Per month

%

$104 / month

Estimated Monthly Payment

$2,185/mo

  • Principal & Interest$1,565
  • Property Tax$366
  • Home Insurance$150
  • FHA MIP$104
Amortization · Remaining Balance

Financed Loan Amount

$249,886

Total Interest

$313,402

Total of Payments

$563,288

*Includes financed FHA Upfront MIP of $4,298

Local Market Insights

Bennington County FHA Mortgage Overview

In Bennington County, the typical FHA homebuyer puts 16.16% down on a $293K property, which is higher than the standard 3.5% minimum. This suggests buyers are leveraging equity to lower monthly costs, yet the 83.84% LTV ratio confirms that mandatory Mortgage Insurance Premiums (MIP) remain for the loan’s life—critical for those with sub-620 credit. The 1.50% effective property tax rate, coupled with a 1.1% inflation-adjusted increase, adds roughly $53 monthly to true affordability. For precise budgeting, explore the FHA loan down payment data with PMI and taxes in Bennington County, Vermont, alongside local FHA loan limits and tax impact analyses.

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.