About this fha loan calculator
Estimate an FHA mortgage payment with the 1.75% upfront and annual mortgage insurance premiums (MIP) from 3.5% down. The math updates instantly and runs on your device, so it is fast, private, and available offline.
FHA
FHA Loan Calculator
Details
How to use FHA Loan Calculator
What the tool does, how to run it, and what to expect from the result.
At a glance
Who FHA Loan Calculator is for
A quick way to understand who this helps, what it solves, and where it connects next.
Best fit
Shoppers, students, freelancers, and anyone who needs a quick, private calculation.
Ideal for
Fast everyday math without a spreadsheet, app install, or sign-up.
FAQ
Common questions
Short answers for the questions people usually have before trying a utility like this.
Is the FHA Loan Calculator free?
Yes. It is completely free, with no sign-up, no watermark, and no usage limits.
Does it use a specific currency?
No. Amounts are currency-neutral and use the same unit across all inputs, so it works in any country.
How much is FHA mortgage insurance?
An upfront premium of 1.75% of the base loan, usually added to the loan, plus an annual premium paid monthly. Since March 2023 the annual MIP on a 30-year loan is 0.55% with under 5% down and 0.50% with 5% or more (15-year loans: 0.40% or 0.15%).
What is the minimum down payment on an FHA loan?
3.5% with a credit score of 580 or higher, 10% from 500 to 579. With under 10% down the annual MIP lasts for the life of the loan; with 10% or more it drops off after 11 years.
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