为首次购房者设计：3.5% 首付（580+ FICO）、低信用分也可申请，含 MIP。
$2,740
$343,661
96.5%
$5,911
0.55%
$418,091
| Component | Amount |
|---|---|
| Principal & Interest | $2,116 |
| MIP (monthly mortgage insurance) | $158 |
| Property tax | $350 |
| Homeowners insurance | $117 |
| Total PITI + MIP | $2,740 |
FHA loans are insured by the Federal Housing Administration and require both an upfront MIP (1.75%, can be financed) and an annual MIP based on loan term and LTV. FHA loan limits vary by county; the 2026 baseline is $524,225, with high-cost counties up to $1,215,250.
FHA 3.5% 首付 580+ FICO vs 传统 5% 首付 740+ FICO：
| 项目 | FHA 贷款 | 传统贷款 |
|---|---|---|
| 最低 FICO | 580（500 可贷 10%） | 620-740 |
| 最低首付 | 3.5% | 5% |
| 月供 P&I | $1,869 | $1,763 |
| MIP/PMI | $138/月（0.55%/年） | $190/月（PMI 直到 78% LTV） |
| 月供总额 | $2,007 | $1,953 |
FHA MIP：贷款额 > $726,200 时 0.75%/年（更高档）。贷款 > 15 年，MIP 终身（除非首付 ≥ 10%）。FHA 贷款限额 2026：大部分地区 $524,225，高成本地区 $1,209,750。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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An FHA loan calculator is a free mortgage planning tool that estimates monthly payments and total cost for a home loan insured by the Federal Housing Administration. Our FHA loan calculator factors in home price, down payment, mortgage rate, term, property tax, insurance, HOA, and FHA-specific mortgage insurance premium (MIP) — both upfront (1.75% financed into the loan) and annual (0.15-0.55% based on LTV and term). The FHA loan calculator shows whether your loan fits the FHA county limit and the lifetime cost of MIP.
How it works
Our FHA loan calculator computes monthly payment including principal, interest, taxes, insurance, and the FHA mortgage insurance premium (MIP) for any home price and down payment.
Type the home price and your down payment. FHA minimum is 3.5% with credit score 580+ (10% with 500-579). Our FHA loan calculator shows whether your loan stays within the county FHA limit.
Type the expected FHA mortgage rate (typically close to conventional rates, sometimes 0.25-0.5% lower) and loan term (15 or 30 years). The FHA loan calculator uses these to compute monthly principal and interest.
Type your local property tax rate, homeowners insurance rate, and any HOA dues. These are added to the monthly payment as part of PITI.
The FHA loan calculator shows monthly PITI + monthly MIP, financed upfront MIP, total loan amount, LTV, and whether your loan exceeds the FHA county limit. If your down payment is at least 10%, the annual MIP auto-cancels after 11 years (highlighted in the result).
Calculate VA home loan payments with 0% down, no PMI, and the VA funding fee.
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