FHA Loan Calculator
FHA loans allow low down payments but add mortgage insurance: an upfront premium financed into the loan, plus a monthly premium. This estimates your full payment.
Your details
Monthly payment
$1,996.87
- Principal & interest
- $1,861.86
- Monthly MIP
- $135.01
- Upfront MIP (financed)
- $5,066.25
P&I vs MIP
- Principal & interest
- $1,861.8693%
- Monthly MIP
- $135.017%
Monthly payment$1,996.87
Formula
Base loan = price × (1 − down%). Upfront MIP (1.75%) is added to the loan; monthly MIP is 0.55%/yr of the loan. Payment = P&I + monthly MIP.
Sources & methodology
Uses typical FHA MIP rates (1.75% upfront, 0.55% annual). Actual MIP varies by loan term, LTV, and amount — verify current HUD rates.
Last updated: 2026-07-20
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