FHA Loan Calculator
Calculate monthly payments on an FHA loan including upfront and annual mortgage insurance premiums (MIP).
Part of our Finance Calculators collection.
FHA Loan Calculator
Free online calculator
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FHA minimum: 3.5% with 580+ credit score
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Results update automatically as you type
How to Use This Calculator
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Enter all required values.
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See results instantly.
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Adjust inputs to compare scenarios.
How This is Calculated
FHA includes: Upfront MIP (1.75% of loan, added to balance) + Annual MIP (0.55%/yr divided by 12)
Example Calculation
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Inputs
Result
Enter values above
Results appear instantly as you enter values.
Frequently Asked Questions
How accurate is this calculator?
These are estimates. Actual figures depend on lender requirements, your credit score, and local conditions. Consult a mortgage professional for exact numbers.
Should I get pre-approved?
Yes — getting pre-approved before house hunting shows sellers you're serious and gives you a realistic budget.