Mortgage & Home
FHA Loan Calculator
Estimate monthly payments for an FHA-insured mortgage. FHA loans allow down payments as low as 3.5% and include both an upfront mortgage insurance premium (UFMIP) and annual MIP.
Monthly Payment
$2,810.30
Principal & Interest
$2,172.17
Monthly MIP
$154.80
Property Tax
$350.00
Home Insurance
$133.33
Upfront MIP
$5,910.63
Total Loan Amount
$343,660.63
Down Payment
$12,250.00
Total Interest
$438,320.19
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Payment Breakdown
Principal
$0.00 (0.0%)
Interest
$438,320.19 (100.0%)
How This Calculator Works
FHA loans include an upfront MIP of 1.75% (which can be financed into the loan) and an annual MIP of 0.55% for 30-year loans or 0.50% for 15-year loans. The monthly payment includes principal, interest, MIP, property taxes, and insurance.
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Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.