FHA Loan Calculator
Comprehensive, real-time FHA mortgage planning — amortization, MIP, UFMIP, comparison & export.
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Loan & Property Details
Home Price
Down Payment
%
Tip: FHA often allows lower down payments.
Loan Term (years)
30 years
20 years
15 years
Interest Rate (APR %)
Property Tax (annual)
USD
Homeowners Insurance (annual)
HOA / Other (monthly)
Include Escrow (tax & insurance)
FHA MIP settings
UFMIP
%
Up-Front Mortgage Insurance Premium.
Annual MIP
%
Auto-estimate can be overridden.
Finance UFMIP into loan (true for most FHA loans)
Extra / Payment Options
Monthly
Biweekly (accelerated)
Recalc
Extra payments reduce interest and shorten term. Biweekly gives ~1 extra payment/year.
Refinance Comparison
New Rate (%)
Refinance Term (years)
30
20
15
Refi Closing Costs (one-time)
Compare Refinance
Payment Summary
Auto updates as you type — clear, printable breakdown.
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Loan Amount
—
Monthly P & I
$0
Principal & Interest
Monthly MIP
$0
Est. Total Monthly
$0
incl. taxes, insurance, HOA & MIP
Total Interest (life of loan)
$0
Loan Payoff Date
—
UFMIP Amount
$0
Total Payments (principal + interest + MIP)
$0
Actions:
Show Amortization
Chart
Compare Saved
Balance Chart
Amortization Schedule
Monthly breakdown (first 60 rows shown)
#
Payment
Principal
Interest
MIP
Balance
Saved Scenarios
(none saved)
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