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FHA Mortgage Calculator

Calculator currently updated with lower FHA Mortgage Insurance Premiums Jan. 26th, 2015*

FHA Loan Calculator - Buying a home using a FHA home mortgage? Calculate the PITI mortgage payment with taxes and insurance for a FHA loan. This FHA mortgage calculator also provides the down payment, monthly FHA mortgage insurance (FHA MIP) and the FHA upfront mortgage insurance premium (UFMIP) of a FHA home loan. Lastly, view the minimum income required to qualify for the home's sales price and calculated FHA loan amount with this free, simple, FHA loan calculator with taxes and insurance.

FHA Mortgage Loan Calculator Mortgage Calculator Instructions

Step 1: Enter Sales Price, Mortgage Rate and Term
Step 2: Select Property type, Taxes and Insurance
Step 3: Click "Calculate FHA Loan"

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FHA Home Loan Calculator  / //
Sales Price
FHA Mortgage Rate  
Loan Amortization
Property Type
Est. Property Tax Rate
Est. Annual Homeowners Insurance Cost

Results of FHA Loan Calc ///
Total Monthly FHA Mortgage Payment (PITI)
FHA Loan Summary
Down Payment Amount
FHA Loan Amount w/ FHA Mortgage Insurance Premium
FHA Calculator Details
FHA Down Payment
Maximum FHA Loan Amount*
FHA Mortgage Insurance Premium (FHA MIP)
FHA Loan Amount w/ financed FHA MIP
Final LTV / Loan to Value
FHA Mortgage Payment Breakdown
Monthly Principal and Interest Payment
Monthly FHA Mortgage Insurance
Monthly Property Taxes based on annual tax bill
Estimated Monthly Homeowners Insurance
Total Monthly PITI Mortgage Payment
Do You Qualify for this FHA Mortgage?
  • Based on this FHA mortgage calculator, using the suggested FHA debt-to-income guideline of a 31% front-end ratio, you would need a minimum gross monthly income of with minimal monthly revolving debts (i.e. car payments, credit cards, loans, etc) reported on your credit report.

  • FHA loans require a minimum of 580 credit score.

  • In order to purchase a home using a FHA loan at %, you will need a minimum down payment of , which can be a gift.

  • Changes in current FHA mortgage rates may increase or decrease the FHA loan amount and sales price you may qualify for.

  • The calculations presented by this FHA calculator are based on current FHA loan requirements. We suggest you contact a FHA mortgage lender to request a free, no obligation, FHA loan prequalification. They will determine exactly how much home you can afford using a FHA loan based on your specific qualifications, credit score and current revolving debt.

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Link to this FHA Loan Calculator. Copy and Paste HTML code in Text Box below:

Learn more about details presented in this FHA calculator with our FHA loan requirements guide. Use our other FHA calculators such as the FHA down payment calculator.

* Maximum FHA loan amount used by this FHA mortgage calculator is based on current FHA loan limit ceilings as per current HUD mortgagee letter. Updated: FHA mortgage insurance calculations based on most current HUD FHA guidelines: Updated Jan 8th., 2015:

Note: A FHA mortgage calculator with PMI: The equivalent of PMI (Private Mortgage Insurance) for a FHA loan is simply: "mortgage insurance", since the mortgage insurance of a FHA loan is not funded by a private mortgage insurance company.

Sources:, 1999-2013. "FHA Home - FHA loans - FHA Mortgage Lender",
Mortgagee Letter 2015-01 - Reduction of Federal Housing Administration (FHA) annual Mortgage Insurance Premium (MIP) rates,

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