Fond Du Lac County FHA Loan Calculator

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

Loan Details

US County (Smart Autofill)

Loan Type

Fond du Lac County, WI Benchmarks

FHA averages

Typical Property Value$260,294

Average Down Payment12.4%

Average Interest Rate6.580%

Effective Tax Rate1.35%

Median Tax Paid$3,365/yr

Tax Growth (Historical)-1.4%

Based on 255 regional loans totaling $56,265,000 (HMDA database).

Home Price

Down Payment

$32,276 down · $228,018 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

$293 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$97 / month

Estimated Monthly Payment

$2,018/mo

Principal & Interest$1,479
Property Tax$293
Home Insurance$150
FHA MIP$97

Amortization · Remaining Balance

Financed Loan Amount

$232,008

Total Interest

$300,315

Total of Payments

$532,323

*Includes financed FHA Upfront MIP of $3,990

Local Market Insights

Fond du Lac County FHA Mortgage Overview

Fond du Lac County homebuyers utilizing FHA loans are entering the market with a manageable 12.38% down payment on an average $260,294 property. However, with a high 87.62% loan-to-value ratio, the mandatory Mortgage Insurance Premium (MIP) applies for the loan’s entire term—key for those seeking an FHA loan with PMI and taxes in Fond du Lac County, WI. The effective 1.35% property tax rate is slightly softening, with a -1.4% inflation-adjusted shift, offering modest monthly relief. This data reflects 100% primary residences, highlighting that this FHA loan down payment strategy in Fond du Lac County, Wisconsin, suits first-time buyers with sub-620 credit, though the MIP is a permanent cost.

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.