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Adams County FHA Loan Calculator

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

Loan Details

Adams County, WA Benchmarks

FHA averages
Typical Property Value$333,222
Average Down Payment9.7%
Average Interest Rate6.062%
Effective Tax Rate0.72%
Median Tax Paid$2,147/yr
Tax Growth (Historical)-1.0%
Based on 90 regional loans totaling $26,670,000 (HMDA database).
$
%

$32,323 down · $300,899 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$200 / month

$

Annual premium

$

Per month

%

$128 / month

Estimated Monthly Payment

$2,325/mo

  • Principal & Interest$1,847
  • Property Tax$200
  • Home Insurance$150
  • FHA MIP$128
Amortization · Remaining Balance

Financed Loan Amount

$306,165

Total Interest

$358,914

Total of Payments

$665,079

*Includes financed FHA Upfront MIP of $5,266

Local Market Insights

Adams County FHA Mortgage Overview

For Adams County homebuyers, the 9.70% average down payment on FHA loans provides accessible entry, but note that mandatory Mortgage Insurance Premiums (MIP) apply for the loan's life, regardless of this equity level. The 90.30% LTV ratio confirms most buyers finance heavily, making an FHA loan calculator with PMI and taxes in Adams County, WA essential for true cost planning. With a 0.72% effective property tax rate and a -1.0% inflation-adjusted tax change, monthly affordability sees slight relief. All data reflects primary residences, not investments, highlighting a stable owner-occupied market.

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.