(256) 705-0985
Get Pre-Approved
(256) 705-0985
Get Pre-Approved
(256) 705-0985
Get Pre-Approved
(256) 705-0985
Get Pre-Approved
(256) 705-0985
Get Pre-Approved

FHA Calculator

Calculate your FHA loan payment below. Click on Show Advanced to edit taxes, insurance, and HOA fees for a more accurate loan amount.

FHA Loan Calculator

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Enter the down payment percent you expect to put down. FHA loans require a minimum of 3.5% down.
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Choosing a longer term will make the payments less per month, however it will increase the total amount paid back on the loan.
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Total Monthly Payment

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Principal & Interest Payment
Monthly Mortgage Insurance
Base Loan Amount
FHA Upfront Mortgage
FHA Upfront MI Amount
Final Loan Amount
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The FHA mortgage calculator is provided for informational purposes only and is not intended to provide financial, legal, or mortgage advice. Results are estimates based on the information you provide and current FHA guidelines, which may change without notice. Actual loan terms, rates, and costs may vary depending on your individual circumstances, credit profile, and lender requirements. Pre-qualification or use of this calculator does not constitute loan approval or a commitment to lend. For personalized advice, please consult with a licensed mortgage professional.

Our FHA mortgage calculator makes it easy to estimate your monthly payments, upfront costs, and loan affordability—before you apply. To get the most accurate results, keep the following tips in mind:

  • Check FHA Loan Limits in Your Area:
    FHA loan limits vary based on county and property type. Be sure to look up the FHA limit for your specific location to avoid estimating above what’s allowed.
  • Know the Minimum FHA Down Payment:
    The minimum down payment for an FHA loan is currently 3.5%, but your credit score and financial profile can affect this requirement.
  • Understand FHA Mortgage Insurance Costs:
    FHA loans require two types of mortgage insurance:
    • A one-time Upfront Mortgage Insurance Premium (UFMIP)
    • An Annual Mortgage Insurance Premium (MIP), paid monthly
      These costs are based on your loan amount, term, and credit profile.
  • Automatic MIP and UFMIP Calculation:
    Our calculator automatically includes estimated UFMIP and annual MIP based on the most current FHA guidelines—so you get a realistic picture of your loan costs.

Simply enter a few key details to get started:

  • Home price and down payment amount
  • Your estimated credit score
  • Loan term (15 or 30 years)
  • Estimated property taxes, homeowners insurance, and HOA fees (if applicable)

The calculator will generate an estimated monthly payment breakdown and total cost, helping you make informed decisions as you plan your home purchase.