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FHA Loan Calculator

Estimate principal, interest and mortgage-insurance components for an FHA-style loan.

FHA rules and MIP tables can change. Enter the MIP percentages from current HUD/FHA guidance or a lender quote.

Method

The calculator subtracts down payment from home price, estimates upfront mortgage insurance, optionally finances it into the loan balance, then adds monthly annual MIP to the principal-and-interest payment.

Example

For a $320,000 home with $11,200 down, the base loan is $308,800. A 1.75% upfront MIP is $5,404; if financed, the loan balance becomes $314,204 before other costs.

Common mistakes

Do not assume MIP duration or rate from an old rule. FHA mortgage insurance rules and loan limits can change.

Limitations

This is not an FHA eligibility check, official MIP quote or lender disclosure. FHA loan limits, credit rules, occupancy rules and MIP duration are not modeled.

References

Last reviewed: 2026-05-16

Before relying on this result

Use this calculator together with the formula, assumptions, limitations and examples on the page. If the topic involves health, tax, lending, investment, legal, safety or current-rate decisions, treat the number as an estimate and check the relevant primary source or professional guidance.

Calculator metadata last reviewed: 2026-05-14.