FHA Loan Calculator

Estimate fha loan with transparent assumptions.

Choose a fha loan workspaceKeep ownership costs and early-payoff planning in focused views.

2 options

Include Optionals Below

Home Price

Down Payment

Interest Rate

Loan Term

years

Start Date

year

Upfront FHA MIP

Annual FHA MIP

Annual FHA MIP Duration

years

Property Taxes

Home Insurance

$/year

HOA Fee

$/month

Other Costs

$/month

Property Taxes Increase

%/year

Home Insurance Increase

%/year

HOA Fee Increase

%/year

Other Costs Increase

%/year

MONTHLY HOUSING COST$2,757.25

Mortgage Payment: $2,058.01; Property Tax: $400.00, projected $724.54; Home Insurance: $150.00, projected $271.70; HOA Fee: $0.00, projected $0.00; Other Costs: $0.00, projected $0.00; MIP for 11 years: $19,698.80; House Price: $400,000.00; Loan Amount: $325,600.00; Down Payment: $80,000.00; Total Interest: $415,284.85; Mortgage Payoff Date: 2056. Upfront MIP included in the financed loan amount. Total of 360 Mortgage payments.

Estimate based on the values shown

Formula checkedFHA principal includes upfront MIP; monthly cost includes MIP duration and escalating ownership costs.

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Useful next steps

$MortgageEstimate mortgage with transparent assumptions→$Down PaymentEstimate down payment with transparent assumptions→$House AffordabilityEstimate house affordability with transparent assumptions→