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Franklin County FHA Loan Calculator

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

Loan Details

Franklin County, VT Benchmarks

FHA averages
Typical Property Value$346,111
Average Down Payment10.4%
Average Interest Rate6.400%
Effective Tax Rate1.40%
Median Tax Paid$4,332/yr
Tax Growth (Historical)-1.0%
Based on 117 regional loans totaling $35,545,000 (HMDA database).
$
%

$35,996 down · $310,115 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$404 / month

$

Annual premium

$

Per month

%

$131 / month

Estimated Monthly Payment

$2,659/mo

  • Principal & Interest$1,974
  • Property Tax$404
  • Home Insurance$150
  • FHA MIP$131
Amortization · Remaining Balance

Financed Loan Amount

$315,542

Total Interest

$395,003

Total of Payments

$710,545

*Includes financed FHA Upfront MIP of $5,427

Local Market Insights

Franklin County FHA Mortgage Overview

In Franklin County, the typical FHA buyer puts down 10.38% on a $346,111 property, well above the 3.5% minimum. This accessible entry point is ideal for sub-620 credit scores, but remember that FHA mortgage insurance premiums (MIP) are required for the life of the loan due to the 89.62% loan-to-value ratio. The 1.40% effective property tax rate, coupled with a -1.0% inflation-adjusted tax change, offers slight relief on monthly affordability. For an accurate view of your total housing cost—including PMI and property taxes—review the Franklin County FHA loan limits and tax data provided here.

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.