Financial / Browser calculator

FHA Loan Calculator

FHA Loan Calculator works from the inputs you provide and returns monthly payment, total interest, total paid, payments, monthly insurance, combined monthly cost. Use the calculation panel to explore a scenario, then check the formula and limitations before applying the result.

Your inputs

Minimum: 0
Minimum: 0
Minimum: 0 · Maximum: 100
Minimum: 0.08333333333333333 · Maximum: 100
Minimum: 0 · Maximum: 100
Minimum: 0 · Maximum: 100

Your results

Enter your values and calculate to see the result.

This estimate is for information and comparison, not financial, investment or tax advice.

Formula and calculation method

Base principal = price − down payment. Financed principal = base × (1 + upfront fee). Monthly cost = loan payment + base × annual insurance / 12.

US program scenario only. Fees and insurance are editable assumptions, not verified current government rates. VA loans do not ordinarily have monthly mortgage insurance: enter 0 for that field. Eligibility is not assessed.

How to use fha loan calculator

  1. Set Home price. The example below uses 300000.
  2. Set Down payment. The example below uses 15000.
  3. Set Annual interest rate (%). The example below uses 6.
  4. Set Term (years). The example below uses 30.
  5. Set Financed upfront fee (%). The example below uses 1.75.
  6. Set Annual insurance on base principal (%). The example below uses 0.5.
  7. Select Calculate to update the result. Reset restores the illustrated inputs. Copy, print or download your own result if you need a record.

Worked example

Example inputs
Home price
300000
Down payment
15000
Annual interest rate (%)
6
Term (years)
30
Financed upfront fee (%)
1.75
Annual insurance on base principal (%)
0.5
Monthly payment
1,738.62157913
Total interest
335,916.26848584
Total paid
625,903.76848584
Payments
360
Monthly insurance
118.75
Combined monthly cost
1,857.37157913

Factors affecting your result

US program scenario only. Fees and insurance are editable assumptions, not verified current government rates. VA loans do not ordinarily have monthly mortgage insurance: enter 0 for that field. Eligibility is not assessed.

Changing home price changes the scenario being evaluated. Adjust one input at a time when comparing results, keep a copy of the assumptions, and compare values using the same unit and period. A precise arithmetic result does not make an uncertain assumption precise.

Frequently asked questions

How does the fha loan calculator work?

Base principal = price − down payment. Financed principal = base × (1 + upfront fee). Monthly cost = loan payment + base × annual insurance / 12.

What inputs does FHA Loan Calculator need?

Enter home price, down payment, annual interest rate (%), term (years), financed upfront fee (%), annual insurance on base principal (%). Read the unit labels; percentages are entered as ordinary percentages, not decimal fractions.

How should I interpret the fha loan calculator result?

US program scenario only. Fees and insurance are editable assumptions, not verified current government rates. VA loans do not ordinarily have monthly mortgage insurance: enter 0 for that field. Eligibility is not assessed.

Are my fha loan calculator inputs uploaded?

No. The calculation runs in this browser. Favorites, recent tool names, theme and formatting preferences may be saved locally, but calculation inputs are not sent to a calculation server or stored by this website. Shared links do not include entered values.

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