FHA Loan Calculator

Calculate an FHA mortgage payment with the upfront and monthly mortgage insurance premium.

Quick answer: FHA Loan Calculator: Calculate an FHA mortgage payment with the upfront and monthly mortgage insurance premium. Everything runs in your browser, so nothing you enter is uploaded or stored.

Home price

Down payment (%)

Interest rate (%)

Property tax rate (% per year)

Home insurance per year

How to use FHA Loan Calculator

Enter your values in the fields.
The results update instantly as you type.
Note or copy the numbers you need.

Features

Instant results
Free, no signup
Runs in your browser, nothing is uploaded
Works on phone and desktop

How it works

The upfront premium (1.75 percent) is added to the loan. The annual premium is paid monthly with your payment.

Worked example

A 350,000 home with 3.5 percent down at 6.4 percent has a loan near 343,700 after the premium and a total payment around 2,775 a month.

Good to know

Premium rates change by loan size, term and down payment. Check hud.gov or your lender.

Frequently asked questions

What is the FHA minimum down payment?

3.5 percent with a credit score of 580 or higher.

What is MIP?

FHA charges an upfront premium (1.75 percent, usually financed) and an annual premium (about 0.55 percent for most 30 year loans with under 5 percent down).

Is the FHA Loan Calculator free?

Yes. It is free, needs no signup and works on any device.