FHA Loan Calculator
Last updated: October 15, 2026
Estimate an FHA-style monthly housing payment with editable mortgage-insurance assumptions.
Estimated monthly payment
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- Financed loan amount: —
- Principal & interest: —
- Monthly program fee: —
- Taxes & insurance: —
On this page
Quick summary: Estimate an FHA-style monthly housing payment with editable mortgage-insurance assumptions.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate an FHA-style monthly housing payment with editable mortgage-insurance assumptions.
How to use it
Enter Home price ($); Down payment ($); Interest rate (%); Loan term; Upfront MIP rate (%); Annual MIP rate (%); Annual property tax ($); Annual homeowners insurance ($). Select Calculate to update the results.
How the calculation works
Base loan = home price minus down payment. The upfront premium is base loan × entered upfront percentage and is added to the financed principal. Amortize that principal at the entered interest rate and term. Add base loan × annual premium percentage / 12 and one-twelfth of annual property tax and insurance.
Worked example: starting scenario
| Home price ($) | 350000 |
|---|---|
| Down payment ($) | 12250 |
| Interest rate (%) | 6.5 |
| Loan term | 30 years |
| Upfront MIP rate (%) | 1.75 |
| Annual MIP rate (%) | 0.55 |
| Annual property tax ($) | 4200 |
| Annual homeowners insurance ($) | 1800 |
| Estimated monthly payment | $2,826.97 |
|---|---|
| Financed loan amount | $343,660.63 |
| Principal & interest | $2,172.17 |
| Monthly program fee | $154.80 |
| Taxes & insurance | $500.00 |
Important limitations
The upfront premium is financed. The annual-premium estimate uses the original base balance and is not a full declining-balance insurance schedule. Enter applicable rates from a current lender quote. The tool does not determine FHA eligibility, mortgage limits, premium duration, closing costs or future tax and insurance changes.