FHA Loan Calculator
Enter your base loan amount, rate and term to estimate the FHA monthly payment with mortgage insurance included.
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- No sign-up
Enter the loan amount, rate and term to see the FHA payment.
Worked example
With these example inputs:
- Base loan amount$300,000
- Interest rate6.5%
- Loan term30 yr
Monthly payment: $2,069
- Financed upfront MIP$5,250
- Total loan with MIP$305,250
- Principal & interest$1,929
- Monthly MIP$139.91
Frequently asked questions
What insurance does an FHA loan include?
FHA loans charge an upfront mortgage insurance premium, usually 1.75% of the loan, that is typically financed, plus an annual premium paid monthly. Both are added to the cost here.
Does this include taxes and homeowners insurance?
No, it covers principal, interest and FHA mortgage insurance. Property tax and homeowners insurance are extra in your full monthly housing cost.