FHA Mortgage Loan Calculator

Estimate your FHA payment with principal, interest, taxes, homeowners insurance, HOA, and FHA mortgage insurance premium (MIP).

P & I: $1,367
Taxes: $300
Insurance: $105
FHA MIP: $112

Your payment

$1,884

P & I: $1,367

Taxes: $300

Insurance: $105

FHA MIP: $112

Down payment: $60,000 (20.0%)

Calculator disclaimer: This estimate is not a loan offer and may differ from lender-provided FHA quotes.

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How to calculate your FHA mortgage payment

FHA mortgage payments are based on loan amount, interest rate, and term, plus required FHA mortgage insurance premium (MIP), property taxes, homeowners insurance, and any HOA dues.

FHA loan requirements

  • Minimum down payment typically 3.5% to 10%
  • Credit score minimum usually between 500 and 580
  • Upfront and annual MIP required on most FHA loans
  • Primary residence and FHA-eligible property standards
  • Debt-to-income and loan limits apply

FHA loan benefits

FHA loans can be a strong option for first-time buyers and borrowers with lower down payments or moderate credit scores. They provide more flexible qualification rules than many conventional programs.

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