🏠 FHA Loan Calculator

Calculate your FHA loan monthly payment including principal, interest, mortgage insurance premium (MIP), taxes and insurance. FHA loans offer low down payments starting at 3.5%.

Loan Details

Home Price

Down Payment

Minimum 3.5% for FHA loans

Loan Term

Interest Rate

Annual Property Tax

Typically 1.2% of home value

Annual Home Insurance

Typically 0.4% of home value

Annual HOA Fees (Optional)

Monthly Payment Breakdown

Total Monthly Payment

Principal & Interest $0

Monthly MIP $0

Property Tax $0

Home Insurance $0

HOA Fees $0

Loan Summary

Loan Amount $0

Upfront MIP (1.75%) $0

Total Interest Paid $0

Total Amount Paid $0

Loan-to-Value (LTV) 0%

📋 MIP Information

Frequently Asked Questions

⚠️ Important Disclaimer

This FHA loan calculator provides estimates for informational purposes only. Actual loan terms, interest rates, and monthly payments may vary based on your credit score, debt-to-income ratio, loan-to-value ratio, and other factors. Mortgage insurance premiums and other costs may change based on current FHA guidelines. Please consult with qualified mortgage professionals and lenders for accurate loan information and personalized advice. This tool should not be considered as financial or legal advice.