FHA Loan Calculator
FHA loans allow 3.5% down but charge mortgage insurance both upfront (1.75%, financed) and annually — this includes both.
Total monthly payment
$2,179.45
- Principal & interest
- $2,037.92
- Annual MIP (monthly)
- $141.53
- Upfront MIP financed
- $5,404.00
- Loan amount
- $314,204.00
How the FHA Loan Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Frequently Asked Questions
How does the FHA Loan Calculator work?
Enter your numbers above and results update instantly using standard formulas, computed entirely on your device.
Is the FHA Loan Calculator free to use?
Yes — completely free with no signup required, and it works on phones, tablets, and desktops.
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