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Finance / FHA Loan

FHA Loan Calculator

Estimate a fixed-rate payment with editable upfront and annual mortgage-insurance assumptions. Both insurance rates default to zero as illustrative inputs; replace them with the figures for the loan scenario you are comparing.

Your inputs

Make it your own
Calculator settings
USD

USD

%

years

%

%

Your result
1,708.72
USD
Estimated monthly FHA payment
Purchase price
300,000
Down payment
15,000
Base loan amount
285,000
Assumed upfront insurance financed
0
Principal-and-interest payment
1,708.72
Assumed monthly annual-insurance amount
0
Estimated monthly total
1,708.72

Insurance percentages are editable scenario assumptions and default to zero. Taxes, escrow and program eligibility are not included.

Example inputs shown. Adjust them to explore.

A familiar situation

For an FHA home purchase, adjust the upfront and annual mortgage-insurance assumptions alongside price and down payment. Use values from the current lender quote because eligibility and premiums depend on loan details.

How to use this calculator

  1. Enter home price, down payment, note interest rate and the remaining inputs.
  2. Select Calculate to see the answer and its breakdown.
  3. Keep a scenario, change an input and compare the results.

Use consistent units and check the assumptions below before applying the result.

How fha loan is calculated

The estimate subtracts the down payment and amortizes the balance over equal monthly payments. Program fees, insurance and eligibility rules are included only when a separate input explicitly provides them. Formula: Base loan = price − down payment; finance the entered upfront insurance, then add annual insurance divided by 12 to principal and interest. Use the displayed details to inspect the intermediate amounts and replace example assumptions with terms from your own quote or records.

Base loan = price − down payment; finance the entered upfront insurance, then add annual insurance divided by 12 to principal and interest.
A worked example

A $300,000 home with $15,000 down at 6% for 30 years is about $1,709 monthly before the editable insurance assumptions.

Assumptions & useful context

Insurance percentages are editable scenario assumptions and default to zero. Taxes, escrow and program eligibility are not included.

Financial projections use your assumptions. Actual returns, lender terms, fees and tax rules can differ; these results do not guarantee a future outcome.

Frequently asked questions

FHA Loan Calculator: what does the result include?

It is the loan payment and any explicit premium included in the selected calculator. Property tax, homeowners insurance, maintenance and association costs may add to it.

FHA Loan Calculator: which assumptions matter most?

No. The user-entered rates and fees are assumptions; confirm program rules and any required insurance or funding charges with the lender.

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