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FHA Loan Calculator

See payments with FHA mortgage insurance and low down payment options.

Great for first-time buyers who want minimum down payment and flexible credit.

3.5% down scenariosUpfront + annual MIPCash-to-close estimate

Calculator Inputs

Adjust the scenario to fit your deal.

$
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years
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Results

Estimated monthly payment

$3,136

PITI + FHA MIP

Cash to close (est.)

$26,000

Down payment + 3% closing costs

Financed loan amount

$392,755

Includes upfront MIP

Monthly breakdown

Principal & Interest
$2,482
FHA Mortgage Insurance
$176.92
0.55% annual
Property taxes
$366.67
1.10% of price
Homeowner's insurance
$110

Upfront costs

Down payment
$14,000
Upfront MIP (financed)
$6,755
Estimated closing costs (3%)
$12,000
Seller-paid buyer closing costs
$0
0.00% of price

Upfront MIP is financed into the loan here; lenders can vary annual MIP by term and LTV.

⚠️ Important Disclaimer

This is a self-generated calculator result and provides estimates only. Results may vary based on individual circumstances, market conditions, and lender requirements. For accurate financial advice and loan qualification, please consult with a licensed real estate agent or mortgage professional.

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