FHA Loan Calculator
Free Online FHA Loan Calculator
Calculate discounts, savings, and final prices instantly — with support for stacked deals, bulk tiers, and tax.
FHA Loan Calculator
Payment · MIP · Eligibility · FHA vs Conventional
Property & Loan Details
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Borrower Profile
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Conventional Loan (for comparison)
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✅ FHA Eligibility Check
Eligibility
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FHA vs Conventional — Monthly Payment
FHA Loan
Total Monthly Payment
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Conventional
Total Monthly Payment
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Mortgage Insurance Premium (MIP)
Upfront MIP (UFMIP)
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1.75% of loan — added to balance or paid at closing
Annual MIP Rate
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Based on loan term, LTV & loan amount
Monthly MIP Payment
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Total MIP Cost
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UFMIP + all annual MIP payments
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FHA Base Loan
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Loan w/ UFMIP
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LTV Ratio
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Front-End DTI
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Back-End DTI
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P&I Payment
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Total Interest Paid
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Total Cost of Loan
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📋 Monthly Payment Breakdown
🔮 Scenarios & Comparisons
FHA down payment needed (3.5%):
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If credit score were 580 (min for 3.5%):
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Extra cost vs conventional (monthly):
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Extra MIP cost over life of loan:
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When you reach 20% equity (approx.):
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MIP savings if you refinance to conventional at 20% equity:
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